Financing a home above the 2026 conforming loan limit? Talk with a Washington-licensed loan officer.Call (206) 316-8453 · Start your application
CentralBanc Mortgage Corporation (NMLS #55244) is a mortgage lender licensed in Washington State only. We offer jumbo financing to borrowers in every Washington county, from Spokane, the Tri-Cities and Yakima to Vancouver, Olympia, Bellingham and the Puget Sound region. The programs, process and service are the same wherever the property is in Washington.
Talk with our team before you make an offer or start a refinance. You'll find out early which loan type fits your loan amount, which documents to gather, and how your application will be reviewed.
A jumbo loan is a mortgage for more than the conforming loan limit that the Federal Housing Finance Agency (FHFA) sets each year. Fannie Mae and Freddie Mac can only buy loans at or below that limit. A larger loan is "non-conforming," so it's underwritten to jumbo program guidelines instead of Fannie Mae or Freddie Mac rules.
CentralBanc Mortgage offers jumbo financing for primary homes, second homes and investment properties. Fixed-rate and adjustable-rate options are available for purchases and refinances, including cash-out refinancing. All loans are subject to qualification.
FHFA sets the limit by county, so whether a loan is jumbo depends on the property's county and its loan amount. For loans on one-unit homes acquired in 2026:
| Washington counties | 2026 one-unit conforming limit | A loan above this is jumbo |
|---|---|---|
| 36 counties, including Spokane, Clark, Benton, Franklin, Yakima, Whatcom, Thurston, Kitsap, Skagit, Island, Chelan and Walla Walla | $832,750 | Above $832,750 |
| King, Snohomish and Pierce | $1,063,750 | Above $1,063,750 |
Multi-unit properties have higher limits. In the 36 baseline counties, the two-, three- and four-unit limits are $1,066,250, $1,288,800 and $1,601,750. In King, Snohomish and Pierce they are $1,361,800, $1,646,100 and $2,045,700.
In these three counties, FHFA's higher limit creates a middle range. A loan above the $832,750 national baseline but at or below $1,063,750 is a high-balance conforming loan, and it follows Fannie Mae and Freddie Mac guidelines. Above $1,063,750 it's a jumbo loan. In the other 36 Washington counties, a loan above $832,750 is a jumbo loan. Call us and we'll help you work out which category your loan falls into.
Not sure whether your loan amount is jumbo? Call (206) 316-8453 and we'll go through it with you: your loan amount, your county's limit and your loan options.
Because jumbo loans aren't bought by Fannie Mae or Freddie Mac, they follow jumbo program guidelines. Compared with a conforming loan, expect a closer look at:
Jumbo financing generally calls for well-established credit. Minimum score requirements vary by program, occupancy and loan amount.
Jumbo programs often require more money down, or more equity for a refinance, than conforming loans. The amount depends on the loan amount, property type, occupancy (primary, second home or investment) and program.
Jumbo programs often ask you to show savings or investment accounts that would cover several months of mortgage payments after closing. Retirement and brokerage accounts may count, depending on the program.
Expect full documentation: W-2s, pay stubs, tax returns, and for self-employed borrowers, business returns. RSU, stock-award and bonus income can be considered when it's documented (for example with vesting schedules and account statements) and expected to continue.
Higher-value homes may need a more detailed appraisal, and some jumbo programs require a second appraisal above a certain loan amount.
Program availability, rates, terms and eligibility depend on your credit, loan amount, property type, occupancy and market conditions when you apply. You'll receive a Loan Estimate with the required disclosures before you commit to a loan.
We lend in every Washington county with the same jumbo programs and the same process. That includes Eastern Washington (Spokane, the Tri-Cities, Yakima, Wenatchee, Walla Walla), Southwest Washington (Vancouver and Clark County), the South Sound (Olympia, Tacoma), the Puget Sound region (Seattle, Bellevue, Everett) and Northwest Washington (Bellingham, Mount Vernon, the San Juan Islands). Our office is at 14450 NE 29th Pl, Suite 111, Bellevue, WA 98007. You can also apply online from anywhere in Washington.
According to FHFA, the 2026 conforming limit for a one-unit home is $832,750 in 36 of Washington's 39 counties, and $1,063,750 in King, Snohomish and Pierce counties. A loan amount above your county's limit is a jumbo loan.
For 2026, King, Snohomish and Pierce counties have a one-unit conforming limit of $1,063,750. Every other Washington county uses the $832,750 baseline.
In King, Snohomish and Pierce counties, a loan between $832,750 and $1,063,750 is a high-balance conforming loan and follows Fannie Mae and Freddie Mac guidelines. A loan above your county's limit is a jumbo loan, underwritten to jumbo program guidelines.
They often do. The requirement depends on the loan amount, property type, occupancy and program. We'll go through the options during your consultation.
Yes. Documented RSU, stock-award and bonus income can be considered when it's expected to continue, subject to program guidelines on history and documentation.
Yes. We offer jumbo rate-and-term and cash-out refinances, subject to qualification, available equity and program guidelines.
Yes. CentralBanc Mortgage offers jumbo financing for primary residences, second homes and investment properties in Washington, subject to qualification. Requirements can differ by occupancy type.
No. CentralBanc Mortgage Corporation is licensed in Washington State only (NMLS #55244).
Ready to talk about your jumbo loan? Call (206) 316-8453 or start your application online.
CentralBanc Mortgage Corporation, NMLS #55244, 14450 NE 29th Pl, Suite 111, Bellevue, WA 98007. Office phone: (425) 250-0381. Johnny W. Delaney Jr., Production Manager, NMLS #1588947. Licensed in Washington State only. NMLS Consumer Access. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property appraisal and program availability. Programs, rates, terms and conditions can change without notice. Loan limits are from the Federal Housing Finance Agency for loans acquired in calendar year 2026.