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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Washington
  4. Kirkland
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Kirkland, WA

How much house can you afford in Kirkland? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Kirkland

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Dan Chapman - Fairway Home Mortgage Corporation

Verified

With over 25 years of experience and licensing across seven states, Dan Chapman at Fairway Home Mortgage focuses on making home financing clear and stress-free. The team assists with purchases, refinancing, and investment loans, guiding clients through market trends and options. Customers appreciate their responsiveness, transparency, and smooth communication throughout the process.

Services & Prices
Home Loan, Refinancing, Pre-Approval)
Credit Evaluation, Loan Guidance)
View Profile
(425) 503-3209
Closed Now
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA
General Services
Mortgage Services
2

Kevin M. Pennington, Mortgage Broker

Known for clear communication and quick responsiveness, Kevin M. Pennington, Licensed Mortgage Broker, helps clients navigate home purchases, refinancing, and loan options with personalized guidance. The team works closely with all parties involved to keep the process smooth, though some clients note availability can vary during busy times.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Quoted per loan
View Profile
(425) 894-7852
Closed Now
821 Kirkland Ave Suite 100, Kirkland, WA 98033, USA
General Services
Mortgage Services
3

Leah Zamir at Origin Point (NMLS #830846)

Origin Point (NMLS #830846) specializes in home purchase loans and refinances, with a focus on making the mortgage process straightforward and accessible. The team is known for being responsive, often available evenings and weekends, and providing clear explanations that help clients feel confident throughout their homebuying journey. Customers appreciate their attentiveness and consistent… more...

Origin Point (NMLS #830846) specializes in home purchase loans and refinances, with a focus on making the mortgage process straightforward and accessible. The team is known for being responsive, often available evenings and weekends, and providing clear explanations that help clients feel confident throughout their homebuying journey. Customers appreciate their attentiveness and consistent communication, though the process can sometimes require patience due to its complexity.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Loan Quoted per loan
Investment Property Loan Quoted per loan
Conventional Loan Pre-Approval Quoted per loan
View Profile
(916) 910-3813
Closed Now
4040 Lake Washington Blvd NE Suite 301, Kirkland, WA 98033, USA
General Services
Mortgage Financing
4

Home Trust Financial

Home Trust Financial focuses on finding mortgage loans tailored to each borrower’s unique situation, working with a wide range of lenders beyond typical bank options. Their team offers residential mortgage services and is known for clear communication and patient guidance, though some customers have noted challenges reaching the company at times.

Services & Prices
First-Time Home Buyer Loans Quoted per loan
Refinancing Quoted per loan
Conventional Loans Quoted per loan
View Profile
(206) 409-5273
Closed Now
135 Lake St S STE 230, Kirkland, WA 98033, USA
General Services
Mortgage Services
5

Popach Lending

Popach Lending focuses on clear communication and education throughout the mortgage process, helping clients feel confident in their loan choices. The team guides both first-time buyers and experienced homeowners through home purchases and refinancing, with responsiveness and transparency often highlighted. Some clients note the process can be detailed, but appreciate the thorough support.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(425) 522-2412
Closed Now
5209 Lake Washington Blvd NE #105, Kirkland, WA 98033, USA
General Services
Home Purchase Loans
Where they are 10 on the map Click a pin for the profile and directions
6

Barry Friedman Loans

Barry Friedman Loans is known for its personalized approach and clear communication throughout the mortgage process. The team specializes in guiding first-time homebuyers and those needing quick, efficient closings, often handling complex loans like jumbo mortgages. Clients appreciate the friendly, informative support that helps reduce stress from start to finish.

Services & Prices
Loan Approval Assistance Quoted per loan
Underwriting Services Quoted per loan
Transaction Management Quoted per loan
Rapid Closing Services Quoted per loan
View Profile
(425) 495-9654
Closed Now
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA
General Services
Home Financing
7

Taras Duhnevich, Home Loan Mortgage Advisor

Specializing in guiding home buyers and refinancing clients through the mortgage process, this team offers clear communication and personalized support. They assist with competitive loan rates and timely closings, helping clients navigate bids and paperwork smoothly. Customers appreciate their responsiveness and honest approach throughout the journey.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(206) 694-3380
Open 00:00 - 23:59
1524 Market St Suite 103, Kirkland, WA 98033, USA
General Services
Mortgage Services
8

LoanZilla

LoanZilla offers Purchase, Refinance, and Reverse-Mortgage loans with a focus on saving clients money through lower rates and fees. The team is known for clear communication, responsiveness, and guiding borrowers smoothly through the mortgage process. Some customers note the process can be fast-paced but appreciate the attentive support throughout.

Services & Prices
Home Loan Approval Quoted per loan
Refinancing Assistance Quoted per loan
Pre-Approval Letter Issuance Quoted per loan
View Profile
(425) 659-3388
Closed Now
6620 Lake Washington Blvd NE APT 302, Kirkland, WA 98033, USA
General Services
Mortgage Services
9

TriStar Finance, Inc. I HOME LOANS I MORTGAGE COMPANY

TriStar Finance specializes in finding home loan solutions tailored to a wide range of financial situations, aiming to make homeownership accessible. Their team handles everything from straightforward loans to complex cases, guiding clients through the process with competitive rates and timely closings. Some customers note occasional communication challenges, but many appreciate their… more...

TriStar Finance specializes in finding home loan solutions tailored to a wide range of financial situations, aiming to make homeownership accessible. Their team handles everything from straightforward loans to complex cases, guiding clients through the process with competitive rates and timely closings. Some customers note occasional communication challenges, but many appreciate their responsiveness and problem-solving approach.

Services & Prices
Home Purchase Loan Quoted per loan
Home Refinance Quoted per loan
New Construction Loan Quoted per loan
View Profile
(888) 909-9024
Closed Now
10510 Northup Way # 115, Kirkland, WA 98033, USA
General Services
Loan Services
10

Pierce Rankin | Fairway Independent Mortgage Corporation Loan Officer

Fairway Independent Mortgage Corporation offers a variety of home financing options designed to fit different needs, with a reputation for timely closings—sometimes in as little as 10 days. The loan officers provide clear, proactive communication throughout the process, helping buyers feel informed and supported from application to closing. Customers appreciate the team’s responsiveness and… more...

Fairway Independent Mortgage Corporation offers a variety of home financing options designed to fit different needs, with a reputation for timely closings—sometimes in as little as 10 days. The loan officers provide clear, proactive communication throughout the process, helping buyers feel informed and supported from application to closing. Customers appreciate the team’s responsiveness and detailed guidance, especially first-time homebuyers.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
View Profile
(206) 235-8677
Closed Now
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA
General Services
Mortgage Services

Kirkland Mortgage Statistics

Home-purchase lending in King County and home costs in Kirkland, WA (latest HMDA and Census data)

Lenders made 21,413 home-purchase loans in King County in 2025 (average about $841,000) and denied 1,927 — 8% of decided applications, compared with 9% across Washington, according to federal mortgage data (HMDA, CFPB). In Kirkland, the median home is worth $1,115,400 and 69% of owners have a mortgage, paying a median $3,632 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
21,413▼ 1%21,585 in 2024
Denial rate
8%WA 9%
Median home value
$1,115,400WA $564,600
Monthly cost with a mortgage
$3,632median · WA $2,445
Refinance loans made (King County, 2025)
13,874 · 8,176 in 2024
Home-improvement loans made (2025)
4,335
Average home-purchase loan
$841,000 (WA $564,000)
Owners with a mortgage
69% · 29% of them spend 30%+ of income on housing
Median household income
$150,414 (WA $98,141)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in King County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Kirkland Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Dan Chapman - Fairway Home Mortgage Corporation 5.0 161 — (425) 503-3209 Visit
2 Kevin M. Pennington, Mortgage Broker 5.0 195 Quoted per loan (425) 894-7852 Visit
3 Leah Zamir at Origin Point (NMLS #830846) 5.0 171 Quoted per loan (916) 910-3813 Visit
4 Home Trust Financial 4.7 94 Quoted per loan (206) 409-5273 Visit
5 Popach Lending 5.0 70 Quoted per loan (425) 522-2412 Visit
6 Barry Friedman Loans 5.0 58 Quoted per loan (425) 495-9654 Visit
7 Taras Duhnevich, Home Loan Mortgage Advisor 5.0 51 Quoted per loan (206) 694-3380 —
8 LoanZilla 5.0 44 Quoted per loan (425) 659-3388 Visit
9 TriStar Finance, Inc. I HOME LOANS I MORTGAGE COMPANY 4.5 34 Quoted per loan (888) 909-9024 Visit
10 Pierce Rankin | Fairway Independent Mortgage Corporation Loan Officer 5.0 18 Quoted per loan (206) 235-8677 Visit

How this Kirkland mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Washington rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.74% of the home's value a year, the Washington average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

10 questions
How does the Kirkland mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, PMI, and property tax.
How accurate is a mortgage affordability calculator?
It's a general estimate. Pre-approval confirms specifics by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Washington?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What's the minimum down payment for a home in Kirkland?
Minimum down payment is 3% for conventional loans, 3.5% for FHA loans; VA and USDA loans can allow 0% down for eligible buyers.
How does PMI affect mortgage affordability?
PMI is added to conventional loans with under 20% down, roughly 0.6% of the loan per year, removable once the balance is under 80% of the home's value.
How do interest rates affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
How do debts impact my mortgage qualification in Washington?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at 43% of income.
What is the property tax rate in Kirkland, WA?
Property tax is about 0.74% of the home's value per year, based on the 2024 Washington average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-qualification is an estimate; pre-approval involves verifying income, debts, credit, and down payment for a more accurate loan amount.
What does a mortgage broker do?
A mortgage broker helps find and negotiate loans from various lenders, assisting in the mortgage application process.

General information, not financial advice — consult a qualified professional.