Kirkland, Washington
Mortgage Lender in Kirkland, WA
I've been writing home loans for Kirkland families since 1999, from Juanita to Totem Lake to Houghton and the waterfront. Kirkland has a mix of condos, established neighborhoods, and higher-value homes that push into jumbo territory, and I've financed all of it. When you call, you reach me directly, not a call center in another state.
About 12 minutes. No cost or obligation.
NMLS #40183 · 28 Years Lending in Washington · 463 Five-Star Reviews · 1,800+ Families Helped
What It Takes to Get a Loan in Kirkland Right Now
Kirkland is in King County, so the 2026 conforming loan limit here is $1,063,750 for a single-family home, well above the $832,750 statewide baseline. Many Kirkland purchases land right around that line. Staying conforming means down payments starting at 3% and more flexible guidelines. Crossing into jumbo means tighter debt-to-income limits, but I have jumbo options with down payments below 20% and asset-based qualifying for buyers whose net worth doesn't match their W-2.
Four Financing Situations I Handle Constantly in Kirkland
You're Buying a Downtown Kirkland 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 Kirkland is routine for me. I have jumbo options with competitive rates, down payments below 20%, and asset-based qualifying. 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 sell without a contingency hanging over the offer.
You Work at Microsoft, Amazon, or Google
Bonus, RSU, and deferred comp income trips up a lot of lenders. I know exactly which vesting history and offer letter language underwriting needs to count equity compensation as qualifying income.
Loan Programs Available in Kirkland
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.
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.
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.
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.
Kirkland Neighborhoods I Lend In
Downtown Kirkland, Juanita, Totem Lake, Houghton, Finn Hill, Kingsgate, Rose Hill, Bridle Trails, and the Lake Washington waterfront. Just outside Kirkland I work throughout Bellevue, Redmond, Issaquah, Sammamish, and Bothell.
What My Kirkland Clients Say
"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 Kirkland 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