How much house can you afford in Seattle? 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.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Keith Akada - Mortgage ReelPremium
5.0 · 339 reviews · Free pre-approval
Get pre-approved →
Mike Hermsen - Westlake Mortgage NMLS#2127593Verified
5.0 · 37 reviews · Free pre-approval
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Julie Johnson, Johnson Team @ CrossCountry Mortgage Seattle
5.0 · 99 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Known for fast closings and clear communication, Keith Akada - Mortgage Reel specializes in first-time buyer programs and relocation financing across the Seattle metro area. The team offers FHA, VA, Conventional loans, and investor-friendly options while guiding clients through a straightforward mortgage process. Customers appreciate their responsiveness and helpful education throughout.
Westlake Mortgage offers fast, straightforward mortgage brokerage services with upfront quotes provided within 24 hours. The team assists borrowers with purchases and refinancing for all property types, including new construction and older homes. Customers appreciate their clear communication, persistence through challenges, and quick closings.
Known for clear communication and a smooth mortgage process, the Johnson Team at CrossCountry Mortgage offers a variety of loan options including conventional, jumbo, and government-backed programs. Customers appreciate their responsiveness and personal support throughout each step, though some note the process requires timely document submission to keep things moving.
Westwood Mortgage’s licensed loan originators bring an average of 15 years’ experience to helping clients find mortgage loans for purchase and refinance. The team handles each loan from start to finish, offering clear communication and responsiveness that many customers appreciate, even during complex or time-sensitive transactions.
Salmon Bay Community Lending focuses on responsible homeownership with personalized mortgage loans designed to fit each client’s lifestyle and finances. Their team offers clear communication throughout the process, including helpful updates and thorough explanations. Customers appreciate their responsiveness and the supportive, informative approach, especially for first-time buyers.
Seattle's Mortgage Broker specializes in a wide range of loan programs, including low-down mortgages and 90% LTV cash-out refinances. The team is known for clear communication and quick responses, helping many first-time buyers and those with complex income navigate the process smoothly. Some clients note occasional lender-side delays but appreciate the team’s steady support throughout.
CrossCountry Mortgage offers a wide range of loan programs, including conventional, jumbo, and government-insured options tailored to diverse homebuyers. The team stays closely connected from application through closing, with many clients appreciating their clear communication and efficient process, though some prefer more digital document handling.
NWF Mortgage offers access to a powerful mortgage rate search engine, connecting clients with over 20 top lenders to find the right loan product. The team provides mortgage financing and refinancing services, with many customers noting their responsiveness, professionalism, and smooth closing process. Communication is available 24/7 via WeChat, phone, and email.
Academy Mortgage focuses on helping families achieve sustainable homeownership, emphasizing a culture that values people over paperwork. The team assists with home purchases and refinancing, often navigating complex situations with clear communication and flexibility. Customers appreciate their responsiveness and the personal attention throughout the process.
With over 25 years of experience, Blue Square Mortgage specializes in helping Washington homebuyers find mortgage options that offer real savings. The team provides clear guidance throughout the loan process, staying accessible from start to finish. Customers appreciate their thorough communication and willingness to address complex situations with patience.
Low rates, fast closing, no nonsense
Straightforward, transparent, easy to work with and does what he says..
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 Seattle, the median home is worth $938,600 and 71% of owners have a mortgage, paying a median $3,505 a month (Census ACS 2020–2024).
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Keith Akada - Mortgage Reel | 5.0 | 339 | — | (206) 601-3426 | Visit |
| 2 | Mike Hermsen - Westlake Mortgage NMLS#2127593 | 5.0 | 37 | — | — | Visit |
| 3 | Julie Johnson, Johnson Team @ CrossCountry Mortgage Seattle | 5.0 | 99 | Quoted per loan | (206) 769-6031 | Visit |
| 4 | Westwood Mortgage, Inc. | 4.9 | 100 | Quoted per loan | (206) 526-2602 | Visit |
| 5 | Salmon Bay Community Lending | 5.0 | 93 | Quoted per loan | (206) 789-8629 | Visit |
| 6 | Seattle's Mortgage Broker - Joe Tafolla | 5.0 | 83 | Quoted per loan | (206) 251-0818 | Visit |
| 7 | Jeff McGinnis at CrossCountry Mortgage, LLC | 5.0 | 80 | Quoted per loan | (206) 283-5626 | Visit |
| 8 | NWF Mortgage | 5.0 | 69 | Quoted per loan | — | Visit |
| 9 | Academy Mortgage | 5.0 | 58 | Quoted per loan | (425) 322-3395 | Visit |
| 10 | Blue Square Mortgage LLC | 4.9 | 52 | Quoted per loan | (206) 472-1796 | Visit |
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.
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.
General information, not financial advice — consult a qualified professional.