Bellevue, Washington
Mortgage Lender in Bellevue, WA
My office sits off 139th Ave SE in Bellevue, and most of my clients live within a fifteen minute drive of it. I've been writing home loans in this market since 1999, which means I've financed houses in Somerset when they were half what they are now. If you're buying in Bellevue, you have a handful of problems that buyers in other parts of the country don't, and you want a lender who has already solved them.
About 12 minutes. No cost or obligation.
NMLS #40183 · 28 Years Lending in Washington · 463 Five-Star Reviews · 1,800+ Families Helped
What It Actually Takes to Get a Loan in Bellevue Right Now
The 2026 conforming loan limit for King County is $1,063,750 for a single-family home. The statewide baseline is $832,750, so Bellevue buyers get a meaningful amount of extra room before a loan crosses into jumbo territory. That number decides a lot. Under it, you're in conventional conforming territory with down payments starting at 3% and flexible guidelines. Above it, you're in a jumbo loan with tighter debt-to-income limits and reserve requirements. Plenty of Bellevue purchases land right near that line, and where your loan falls is often something we can steer with the structure rather than something you're stuck with.
As of August 2026, the median sale price for a single-family home in Bellevue is approximately $1,800,000, according to Northwest MLS. That puts a typical purchase right at the edge of the conforming limit, which is why loan structure matters more here than in most of the country.
Last updated August 2026
Four Financing Problems I Solve for Bellevue Buyers
Your Income Is Half RSUs and Bonus
If you work at Microsoft, Amazon, Meta, or Google, your base salary is only part of the story, and most lenders either ignore your equity comp or fumble the documentation. I know exactly which vesting history and offer letter language underwriting needs to count restricted stock as qualifying income. That's often the difference between qualifying for $900,000 and qualifying for $1.4 million.
You're Buying a Downtown Bellevue Condo
Condo financing lives or dies on the building, not on you. Owner occupancy ratios, HOA reserve levels, pending litigation, and single-entity ownership caps can all kill a loan two weeks before closing. I pull the project review early, before you're emotionally committed, so we find out whether a building is warrantable while you still have options.
Your Loan Is Over the Conforming Limit
Jumbo lending in Bellevue is routine for me. I have jumbo options with competitive rates, down payments below the traditional 20%, and asset-based qualifying for buyers whose net worth doesn't match their W-2. I'll also show you when it's worth restructuring to stay under $1,063,750.
You Need to Sell Your Current Home First
This is my specialty. My bridge program lets you buy the next home before selling the one you're in, with no payment for 180 days and down payments as low as 3%. You move on your timeline and you sell without a contingency hanging over the offer.
Loan Programs Available in Bellevue
Conventional and High-Balance Conforming
Flexible down payments starting at 3% and competitive rates for buyers with solid credit and steady income, including King County high-balance loans up to $1,063,750.
Jumbo Loans Above $1,063,750
Financing above the conforming limit with competitive rates, down payments below 20%, and asset-based qualifying for buyers whose net worth doesn't match their W-2.
FHA and VA Loans in King County
Low-down-payment FHA financing and zero-down VA loans for veterans and active military buying in King County.
WSHFC Down Payment Assistance
Washington State Housing Finance Commission programs that help cover your down payment when you're buying your first home.
New Construction and Extended Rate Locks
Lock your rate while your new home is being built, so you're protected from rate movement during construction.
Refinance and Cash-Out Refinance
Lower your payment, shorten your term, or tap your equity with a refinance structured around your goals.
NO CALL CENTER
You Get Me. That's the Whole Pitch.
I answer my own phone. Not a team inbox, not a rotating loan coordinator, not somebody in a different time zone reading your file for the first time. If you text me at 7pm because the listing agent needs an updated pre-approval letter before morning, you get it that night.
That matters most when something goes sideways, and on about one file in five, something does. An underwriter wants a letter of explanation nobody warned you about. An appraisal comes in light. A condo HOA turns out to have an open lawsuit. I've been doing this in Washington since 1999, so I've usually seen the specific version of the problem you're having, and I can tell you in the first phone call whether it's a speed bump or a wall.
Ready to find out what you qualify for?
About 12 minutes. No cost or obligation. And I only run a soft pull at this stage.
Bellevue Neighborhoods I Lend In
Downtown Bellevue and the Bellevue Way corridor, Bridle Trails, Somerset, Newport Hills, Woodridge, Enatai, Beaux Arts, Lake Hills, Crossroads, Factoria, Eastgate, Cougar Mountain, West Bellevue, and the Clyde Hill and Medina edges. If you're looking just outside city limits, I also work throughout Issaquah as an Issaquah mortgage lender, plus Kirkland, Redmond, Sammamish, Newcastle, Renton, Mercer Island, Bothell, and Woodinville.
Bellevue Clients I've Worked With
"Troy Gamble and his team made buying our first home in Bellevue an incredible experience. His 28+ years of experience really showed when he helped us navigate a tricky self-employed income situation. Highly recommend his mortgage lending expertise!"
Sarah M.
Bellevue, WA
"If you need a mortgage lender in Kenmore, Troy is the person to call. He clearly explained all our loan options and helped us secure a great rate on our refinance. The entire process was smooth, transparent, and completely stress-free."
James & Emily R.
Kenmore, WA
"We were looking for a local mortgage expert in Woodinville to help us purchase an investment property. Troy provided a personalized strategy that perfectly aligned with our financial goals. His communication is top-notch. Five stars!"
Michael T.
Woodinville, WA
"As a first-time homebuyer, I was very intimidated by the mortgage process. Troy Gamble took the time to answer every question and guided me through the pre-approval step-by-step. I couldn't have asked for a better local lender."
Jessica L.
Bellevue, WA
"Troy is a true professional. He helped us with a VA loan and made sure we understood every detail before closing. His dedication to his clients and his deep knowledge of the Washington real estate market are unmatched."
David H.
Seattle, WA
"We bought our home in Issaquah Highlands and Troy made the whole process painless. He knew the neighborhood, the builder, and exactly how to structure our financing. When our rate lock was about to expire during a long build, he had a float-down option ready. Truly a local expert."
Rachel & Tom K.
Issaquah, WA
"Troy helped us move up from our starter home in Sammamish without having to sell first. His bridge loan program was a lifesaver and he explained every number in plain English. We never felt rushed and he always picked up the phone."
Amanda P.
Sammamish, WA
463 five-star reviews and more than 1,800 families since 1999. Most of my business comes from past clients and the agents who trust me with theirs.
Frequently Asked Questions
Still have a question? Text me at (425) 230-3123 and I'll answer it myself.
Talk to a Bellevue Mortgage Lender Today
Call, text, or book a time on my calendar. No credit pull to start the conversation and no pressure to move faster than you want to.
About 12 minutes. No cost or obligation.
Troy Gamble, Fairway Independent Mortgage Corporation
11400 SE 8th Street, Suite 360, Bellevue, WA 98004
(425) 230-3123 | NMLS #40183 | Company NMLS #2289
Equal Housing Opportunity