Bellevue Home Search
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The W Townhomes present a rare opportunity to own exceptional new construction in one of Bellevue’s most coveted locations. Built by a respected local luxury builder with...
- 4 Beds
- 4 Baths
- 2560205 MLS
- ACTIVE Status
Listing courtesy of Windermere Bellevue Commons.
Beautifully updated and move-in ready! This thoughtfully refreshed Townhome showcases new luxury vinyl plank (LVP) flooring throughout and all new interior paint, creatin...
- 2 Beds
- 3 Baths
- 2561232 MLS
- ACTIVE Status
Listing courtesy of Windermere R.E. Northeast, Inc.
Welcome home to this beautifully updated 2-bedroom, 1.5-bath condo ideally located just south of Main Street in the heart of Bellevue. Enjoy exceptional walkability to Ol...
- 2 Beds
- 2 Baths
- 2560006 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Luxury living meets an ideal location in this pristine Bellevue home that feels completely new. The light-filled, great-concept main floor features a cozy gas fireplace a...
- 5 Beds
- 5 Baths
- 2560739 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Realty PS.
Welcome to this beautifully maintained home in the highly desirable Chevy Chase community! Featuring 5 bedrooms, 2.5 bathrooms, and 2,410 sf of living space on a 7,300 sf...
- 5 Beds
- 3 Baths
- 2557779 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
Welcome to this spacious 3-bedroom, 2.25-bath townhome offering the perfect blend of comfort, privacy, and convenience in a desirable Bellevue location. The thoughtfully ...
- 3 Beds
- 3 Baths
- 2560852 MLS
- ACTIVE Status
Listing courtesy of Jason Mitchell Real Estate WA.
Rare opportunity in the highly sought-after Newport Mockingbird Hill neighborhood! Situated on an expansive, flat 10,696 SF lot and surrounded by luxury million-dollar ho...
- 4 Beds
- 3 Baths
- 2559008 MLS
- ACTIVE Status
Listing courtesy of Providential Real Estate LLC.
EARLY BUYER SPECIAL - - Ask about Seller Paid Rate Buy Down starting at 3.875% Very excited to introduce this extraordinary new community! Stratos Townhomes features 67 t...
- 3 Beds
- 3 Baths
- 2560426 MLS
- CONTINGENT Status
Listing courtesy of Intracorp Marketing&Sales LLC.
Introducing Residence 306 at Park Row, a thoughtfully designed 1-bedroom, 1-bath residence offering a private balcony with eastern exposure and Downtown Bellevue city vie...
- 1 Beds
- 1 Baths
- 2559972 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
A rare opportunity to own a truly one-of-a-kind residence, masterfully designed and built by CB Custom Homes as their personal residence. Meticulously maintained and thou...
- 5 Beds
- 6 Baths
- 2560325 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Nestled in the heart of Bellevue's coveted Surrey Downs community, this turn-key 4 bedroom, 2.5 bath home sits just blocks from downtown shops & dining. Thoughtful archit...
- 4 Beds
- 3 Baths
- 2560309 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Welcome to Newport Hills, where location, lifestyle, and opportunity come together in one of Bellevue's most desirable neighborhoods. Situated on a rare 12,400 sq. ft. lo...
- 3 Beds
- 3 Baths
- 2558367 MLS
- ACTIVE Status
Listing courtesy of Kelly Right RE of Seattle LLC.
Rarely available single-family style luxury townhome in the heart of Downtown Bellevue, just one block from Bellevue Square and a short-stroll to Bellevue Downtown Park a...
- 3 Beds
- 4 Baths
- 2560033 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Beautifully updated 4-bedroom, 2-bathroom home situated on a spacious lot in one of Bellevue's most desirable neighborhoods. Ideally located just minutes from 1-405, down...
- 4 Beds
- 2 Baths
- 2559885 MLS
- ACTIVE Status
Listing courtesy of Homes & Equity Real Estate Grp.
Enjoy sweeping views of Lake Washington, Mt Rainier, and Bellevue with downtown Seattle and the Olympics in the background from the floor-to-ceiling windows in this huge ...
- 2 Beds
- 3 Baths
- 2559228 MLS
- ACTIVE Status
Listing courtesy of Urban Living.
Prime Bellevue Luxury Estate! Enjoy your own personal, private retreat on more than a half an acre of land. This gorgeous 5 bedroom, 2.5 bathroom home in the highly desir...
- 5 Beds
- 3 Baths
- 2556664 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Modern city living in the heart of Downtown Bellevue with elevated views, stylish design, and a polished, move-in-ready feel. This beautifully maintained 3 bedroom, 3.25 ...
- 3 Beds
- 4 Baths
- 2560098 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Welcome to this beautifully updated split-entry home in the highly sought-after Newport Hills neighborhood. Tucked away on a quiet cul-de-sac, this move-in-ready home off...
- 4 Beds
- 3 Baths
- 2555850 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Ground-level, townhome-style one-bedroom, one-bath condo in on of Bellevue’s most desirable communities. The comfortable single-level floor plan opens to a patio and back...
- 1 Beds
- 1 Baths
- 2559845 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Thoughtfully refreshed and ideally located in desirable Kimberlee Park, this 4 bedroom home offers Lake Washington views and access to the highly regarded Bellevue School...
- 4 Beds
- 3 Baths
- 2559733 MLS
- ACTIVE Status
Listing courtesy of Real Residential.
Live the lake life you’ve been dreaming of in this charming, light-filled Lake Sammamish water-view retreat! Perfectly positioned to capture breathtaking, year-round view...
- 3 Beds
- 2 Baths
- 2548345 MLS
- ACTIVE Status
Listing courtesy of Windermere Prof Partners.
Lake Sammamish stretches south from 80' of sandy shoreline, catching light through every hour of the day, uninterrupted by any neighboring rooftop. Gold sunsets settle ov...
- 6 Beds
- 6 Baths
- 2555449 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Presenting the 'Paragon' by Terrene Homes, exceptional new construction in Bellevue. This versatile luxury house plan, available for the first time, is truly designed for...
- 5 Beds
- 5 Baths
- 2554828 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Seller is motivated and willing to contribute toward buyer closing costs or financing. Elegant courtyard-facing residence in the heart of downtown Bellevue! This beautifu...
- 1 Beds
- 1 Baths
- 2559985 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Lowest price per square foot single family home in Bellevue! Whimsical and fun, this larger than it looks purple home is an amazing opportunity to live in the heart of La...
- 5 Beds
- 2 Baths
- 2558587 MLS
- ACTIVE Status
Listing courtesy of Windermere Bellevue Commons.
Experience the best of Downtown Bellevue living from this beautifully refreshed condo in Abella. 1 bedroom + den, could easily be a bedroom. Perfectly positioned just mom...
- 2 Beds
- 1 Baths
- 2559898 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Welcome home to this custom-crafted estate offering over 5,000 sq. ft. of refined living. This one-of-a-kind residence showcases timeless craftsmanship and elevated desig...
- 4 Beds
- 4 Baths
- 2557633 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Charming Lake Hills rambler on a spacious corner lot. This 3 bed, 1.75 bath home offers easy single-level living with a warm, light-filled layout. Welcoming front porch w...
- 3 Beds
- 2 Baths
- 2559604 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Welcome home to modern luxury — this 6 bed/4.5 bath new construction stuns with soaring ceilings and oversized windows for a home that is bright and peaceful. The chef's ...
- 6 Beds
- 5 Baths
- 2554664 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Experience luxury living in this beautifully renovated home, nestled in the award-winning Bellevue school district! This residence boasts high-end appliances, custom cabi...
- 4 Beds
- 3 Baths
- 2559151 MLS
- ACTIVE Status
Listing courtesy of Kelly Right RE of Seattle LLC.
Views! This is a unique chance to own 2.19 acres of unimproved land in a stunning and highly desirable community along West Lake Sammamish Pkwy SE. Surrounded by natural ...
- 2559580 MLS
- ACTIVE Status
Listing courtesy of Ballpark Realty.
This stunning home boasts carefully curated stylish upgrades, all executed with exceptional craftsmanship and attention to detail. Ideally located just minutes from Micro...
- 3 Beds
- 2 Baths
- 2542044 MLS
- ACTIVE Status
Listing courtesy of ShopProp Inc..
Just past the hill crest where Lake Sammamish shines like a jewel and the green hills preside above....you arrive. This is not a place that shows off for strangers...it o...
- 3 Beds
- 3 Baths
- 2559287 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Perched at the end of a quiet cul-de-sac and framed by a stunning Japanese maple, this beautifully remodeled end-unit townhome captures breathtaking south-easterly views ...
- 4 Beds
- 4 Baths
- 2559663 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Ideally positioned in Bellevue's coveted Lakemont neighborhood, this inviting Satomi townhome combines generous living spaces with everyday convenience. Natural light fil...
- 2 Beds
- 3 Baths
- 2559642 MLS
- ACTIVE Status
Listing courtesy of MY REALTY GROUP LLC.
Experience effortless urban living at Bellevue Pacific Tower in the heart of downtown Bellevue. This beautifully remodeled residence is filled w/ natural light & vibrant ...
- 2 Beds
- 2 Baths
- 2554646 MLS
- ACTIVE Status
Listing courtesy of RE/MAX Northwest.
Welcome home to this perfectly balanced blend of character and modern convenience. This charming 3-bedroom, 2.5 bath home features new durable plank flooring floors tha...
- 3 Beds
- 3 Baths
- 2559474 MLS
- ACTIVE Status
Listing courtesy of Redfin.
A Legacy of Craftsmanship, Privacy & Enduring Elegance. Exceptional custom estate by Encore Homes in Bellevue's coveted Bridle Trails. Nestled on a beautifully landscaped...
- 4 Beds
- 4 Baths
- 2559521 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Modern city living in the heart of Downtown Bellevue with elevated views, stylish design, and a polished, move-in-ready feel. This beautifully maintained 3 bedroom, 3.25 ...
- 3 Beds
- 4 Baths
- 2559387 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Elevated luxury awaits in this stunning 19th-floor southwest-facing corner residence at prestigious Washington Square Tower I in the heart of Downtown Bellevue. Floor-to-...
- 2 Beds
- 2 Baths
- 2554781 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
A rare opportunity in coveted Vuecrest, just minutes from Downtown Bellevue. Whether you're seeking a move-in ready home, the ideal downsizing opportunity in a premier ne...
- 3 Beds
- 2 Baths
- 2558937 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Rare opportunity in Bellevue's coveted Eastgate community! Perfectly sited on a spacious 0.30-acre lot, this 1,560 SF 3 bedroom 1.5 bath single level rambler offers excep...
- 3 Beds
- 2 Baths
- 2559270 MLS
- ACTIVE Status
Listing courtesy of The Cascade Team.
Experience the best of Downtown Bellevue living in this beautifully refreshed residence, perfectly positioned in one of the city's most sought-after locations. Recently u...
- 2 Beds
- 2 Baths
- 2559085 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Charming 2-bedroom, 1.75-bath townhouse-style condo in the sought-after Factoria Station community, tucked into Bellevue's Woodridge neighborhood. This 1,426-square-foot ...
- 2 Beds
- 2 Baths
- 2559319 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Nicely updated, townhome condominium within walking distance of Crossroads! Villa 156 is a small complex, and the townhome style lives more like a home on a single-famil...
- 2 Beds
- 2 Baths
- 2544864 MLS
- ACTIVE Status
Listing courtesy of Rockwell Realty LLC.
Welcome home to the kind of neighborhood where evening walks feel like a ritual and neighbors become friends. Tucked into Bellevue's coveted Densmore neighborhood, this f...
- 3 Beds
- 3 Baths
- 2557399 MLS
- ACTIVE Status
Listing courtesy of KW Mountains to Sound Realty.
Discover this lake-view residence in the desirable Spiritridge neighborhood of Bellevue. Nestled on a quiet cul-de-sac, this home captures fantastic views of Lake Sammami...
- 4 Beds
- 3 Baths
- 2558170 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
The perfect opportunity to own your own slice of serenity and exceptional water views of Yarrow Bay. Enjoy Lake Views From every east facing window and deck. Light and br...
- 3 Beds
- 2 Baths
- 2559257 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Welcome to this beautifully maintained Clyde Hill charmer, offering space, character, and timeless appeal. Come home to your own suburban oasis, complete with a newly ren...
- 4 Beds
- 3 Baths
- 2559242 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Modern updates, meaningful efficiency upgrades, and an outstanding College Hill location make this Bellevue home one you won't want to miss. Freshly refinished hardwood f...
- 4 Beds
- 3 Baths
- 2555125 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Signature Homes by Village Life presents the Kelsey, where timeless design meets modern luxury in the heart of Bellevue. Thoughtfully crafted, this 4,320 SF home offers 5...
- 5 Beds
- 5 Baths
- 2558162 MLS
- ACTIVE Status
Listing courtesy of KW Everett.
Set along 135 feet of protected, deep-water canal frontage in Newport Shores, 61 Cascade Key offers a rare opportunity to live directly on the water with seamless access ...
- 4 Beds
- 4 Baths
- 2559251 MLS
- ACTIVE Status
Listing courtesy of Real Residential.
Beautifully updated 5-bed, 3.5-bath home offering three thoughtfully designed levels in East Bellevue. Built in 2013, this home combines modern construction, spacious liv...
- 5 Beds
- 4 Baths
- 2559032 MLS
- ACTIVE Status
Listing courtesy of Rain Town Realty + JPAR.
PRIVATE NORTHWEST RETREAT WITH EXCEPTIONAL OPPORTUNITY! Just shy of an acre, this unique property offers the perfect blend of privacy, natural beauty, and future potenti...
- 4 Beds
- 3 Baths
- 2558366 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
Set along 135 feet of protected, deep-water canal frontage in Newport Shores, 61 Cascade Key offers a rare opportunity to live directly on the water with seamless access ...
- 4 Beds
- 4 Baths
- 2558738 MLS
- ACTIVE Status
Listing courtesy of Real Residential.
Perched at the end of a quiet cul-de-sac and framed by a stunning Japanese maple, this beautifully remodeled end-unit townhome captures breathtaking south-easterly views ...
- 4 Beds
- 4 Baths
- 2558868 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Classic mid-century home in sought after Surrey Downs neighborhood waiting for your personal vision. An expansive living room with vaulted ceiling, wood burning fireplace...
- 4 Beds
- 2 Baths
- 2549733 MLS
- ACTIVE Status
Listing courtesy of Wilson Realty Exchange, Inc..
Experience timeless mid-century architecture thoughtfully reimagined through a down-to-the-studs renovation in 2021 in Bellevue's coveted Woodridge neighborhood. Offering...
- 4 Beds
- 3 Baths
- 2552970 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Experience modern luxury in this stunning new construction by Ambi Homes, ideally located in Bellevue's highly sought-after Lake Hills community. Blending striking contem...
- 6 Beds
- 4 Baths
- 2543274 MLS
- ACTIVE Status
Listing courtesy of YuenCo.
Welcome home! Where modern farmhouse meets entertainer's dream, luxury and comfort in the Enatai Waterfront Community. The large kitchen serves as the heart of the home,...
- 6 Beds
- 6 Baths
- 2549468 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
Nestled in a peaceful setting, this beautiful 5BR/3BA daylight rambler offers 3,170 SF of living space on a private, gated 12,784 SF lot. Enjoy exceptional privacy, a wid...
- 5 Beds
- 3 Baths
- 2558905 MLS
- ACTIVE Status
Listing courtesy of Whisper Real Estate.
The perfect opportunity to own your own slice of serenity and exceptional water views of Yarrow Bay. Enjoy Lake Views From every east facing window and deck. Light and br...
- 3 Beds
- 2 Baths
- 2558582 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Experience refined contemporary luxury at this stunning, magazine-worthy gated Bellevue estate, perfectly positioned to capture breathtaking south-facing views of the Bel...
- 5 Beds
- 5 Baths
- 2557866 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
Beautifully updated townhouse tucked in a quiet location at the back of the complex. This light-filled home features fresh interior paint, a newer kitchen, and updated fl...
- 4 Beds
- 3 Baths
- 2558820 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
Welcome home to this beautifully updated one-level condominium nestled in the sought-after Wedgewood community with golf course views! Thoughtfully refreshed with modern ...
- 1 Beds
- 1 Baths
- 2553959 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Experience refined urban living in this exceptional ground-floor end-unit residence, perfectly positioned in one of Downtown Bellevue's most desirable locations. Offering...
- 3 Beds
- 2 Baths
- 2558779 MLS
- ACTIVE Status
Listing courtesy of Real Broker LLC.
Everton Homes Masterpiece on a large 12810 sq ft corner lot in incredible Surrey Downs location minutes from Downtown Bellevue and everything it has to offer. Refined des...
- 5 Beds
- 5 Baths
- 2557439 MLS
- ACTIVE Status
Listing courtesy of Realty ONE Group Orca Gold.
Enjoy turnkey single-level living in prime Phantom Lake! This beautifully updated rambler features a thoughtful floor plan with the renovated kitchen seamlessly opened to...
- 4 Beds
- 3 Baths
- 2557131 MLS
- ACTIVE Status
Listing courtesy of Every Door Real Estate.
Modern elegance meets quiet Bellevue living in this fully reimagined, move-in ready 3 bed (+ office), 2.5 bath home in the sought after Eastgate neighborhood. Thoughtfull...
- 3 Beds
- 3 Baths
- 2558459 MLS
- ACTIVE Status
Listing courtesy of Every Door Real Estate.
Tucked away at the end of a long, winding private drive, this architect-designed Mid-Century Modern residence rests atop a secluded hillside surrounded by lush greenbelt ...
- 5 Beds
- 3 Baths
- 2556477 MLS
- ACTIVE Status
Listing courtesy of Windermere R.E. Northeast, Inc.
Nestled on one of West Bellevue’s most coveted streets, this exceptional custom residence offers timeless architecture, refined interiors, and an unparalleled lifestyle j...
- 4 Beds
- 5 Baths
- 2558101 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate Midtown.
Set on the 16th floor in downtown Bellevue's most prestigious concierge buildings, this end-unit two-bedroom-plus-den, 1,441 sq ft residence at Washington Square offers s...
- 2 Beds
- 2 Baths
- 2550137 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Beautifully updated end-unit condo in the peaceful, wooded Woodsong community! This bright and inviting home offers generously sized rooms, extra windows, abundant natura...
- 2 Beds
- 2 Baths
- 2557782 MLS
- ACTIVE Status
Listing courtesy of Kelly Right RE of Seattle LLC.
Rare corner-unit 3Bed+BONUS townhouse (the largest unit in this complex) in the heart of Bellevue’s highly sought-after Wilburton neighborhood! The thoughtfully designed...
- 3 Beds
- 3 Baths
- 2557737 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Stunning offering by Terrene Homes in the desirable Robinswood community of Bellevue. Exceptional design showcases a grand two-story great room with dramatic floor-to-cei...
- 5 Beds
- 5 Baths
- 2557523 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Marketing RemarksWell-priced opportunity just 2 short blocks to Microsoft West Campus, for home or investment - without any short sale or bank hassles. Bamboo formal entr...
- 2 Beds
- 2 Baths
- 2557324 MLS
- ACTIVE Status
Listing courtesy of LPT Realty LLC.
Bring your vision to this spacious 1,041 sq. ft. condo in Bellevue's desirable Factoria neighborhood! This 2 bedroom, 1 bathroom home offers an exceptional sweat equity o...
- 2 Beds
- 1 Baths
- 2557321 MLS
- ACTIVE Status
Listing courtesy of Jason Mitchell Real Estate WA.
Just a short walk from Bellevue Square, this west-facing Washington Square residence offers a comfortable downtown lifestyle with a bright, open layout. The home combines...
- 1 Beds
- 1 Baths
- 2555676 MLS
- ACTIVE Status
Listing courtesy of Real Home Network.
Experience refined luxury living at Washington Square, a premier Downtown Bellevue residence. This East-South corner 2-bedroom, 2-bath home with a private den, offers swe...
- 2 Beds
- 2 Baths
- 2556478 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Life here begins with the view, Lake Sammamish stretching out beyond your windows in a private enclave of just 7 homes. This custom residence pairs that setting with a re...
- 4 Beds
- 5 Baths
- 2556999 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Looking for quiet and safe neighborhood? Looking for good schools? This house has it all. Perfect combination of contemporary architecture and high-level interior finish,...
- 4 Beds
- 4 Baths
- 2556877 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
A striking modern transformation in the heart of coveted Lake Hills, where thoughtful design meets effortless living. Inviting curb appeal w clean architectural lines, up...
- 4 Beds
- 3 Baths
- 2552249 MLS
- ACTIVE Status
Listing courtesy of Heaton Dainard, LLC.
Live in the heart of downtown Bellevue! This 2 bed, 2 bath condo features a brand-new kitchen, new flooring, and fully renovated bathrooms. Quartz countertops, stainless ...
- 2 Beds
- 2 Baths
- 2555694 MLS
- ACTIVE Status
Listing courtesy of Kelly Right RE of Seattle LLC.
Luxurious 5400 sq. ft. new construction home located in Bellevue's Crossroads neighborhood. Thoughtfully designed two story and daylight basement residence executed with ...
- 5 Beds
- 6 Baths
- 2556730 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
Arrive home via a long, welcoming driveway leading to an oversized garage with exceptional space for parking, hobbies, and storage. Ideally located near major commuter ro...
- 4 Beds
- 3 Baths
- 2556300 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Experience the best of downtown Bellevue living in this beautifully updated 3-bedroom home, ideally located just moments from world-class shopping, dining, parks, and eve...
- 3 Beds
- 2 Baths
- 2556790 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Welcome to Lake Hills — Where Opportunity Awaits Nestled on a generous 9,551-square-foot double lot, this charming northeast-facing one-story residence offers 1,900 squa...
- 5 Beds
- 2 Baths
- 2551732 MLS
- ACTIVE Status
Listing courtesy of The Joseph Group.
Top-floor condo in the highly desirable Current Condominiums, ideally located in the heart of Factoria with exceptional walkability to Factoria Marketplace, T&T Supermark...
- 2 Beds
- 1 Baths
- 2556377 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
**New Price! Exceptional value in College Hill!** Discover this beautifully updated 4-bedroom, 2.25-bath home featuring a fully powered detached studio—ideal for a home ...
- 4 Beds
- 3 Baths
- 2556504 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
North-facing corner homesite next to the community playground, filled with abundant natural light! Move-in ready luxury new construction at Bellevue’s premier Enclave at ...
- 5 Beds
- 4 Baths
- 2556557 MLS
- ACTIVE Status
Listing courtesy of Toll Brothers Real Estate, Inc.
One of the finest offerings in Lochmoor this 5 bedroom, 3 bath Bellevue home combines lake views and versatile living spaces all in a peaceful cul-de-sac setting. Large p...
- 5 Beds
- 3 Baths
- 2555115 MLS
- ACTIVE Status
Listing courtesy of Windermere RE Greenwood.
Substantial, meaningful updates and a premier Cougar Mountain setting define this former CamWest Model Home in the sought after Cougar Ridge West neighborhood. Beautifull...
- 4 Beds
- 4 Baths
- 2556510 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Excellent location and schools! This charming Bellevue home has room for everyone! Situated on a large home site in the Bellevue School District, this home greets you wit...
- 3 Beds
- 3 Baths
- 2555890 MLS
- ACTIVE Status
Listing courtesy of VerraTerra.
JayMarc Homes proudly presents an exceptional pre-sale opportunity in one of Bellevue's most sought-after neighborhoods, renowned for its top-rated schools, premier lifes...
- 5 Beds
- 5 Baths
- 2551505 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Meet MARI. Boutique luxury one block from Bellevue Square. 138 residences across 20 stories with 9'8" to nearly 12' ceilings, custom Italian kitchen cabinetry, and wide-p...
- 1 Baths
- 2556416 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
This Bellevue two-story home is filled with natural light, thanks to high ceilings, skylights, and expansive windows throughout. The brand-new kitchen features gorgeous g...
- 4 Beds
- 3 Baths
- 2555256 MLS
- ACTIVE Status
Listing courtesy of MORE Realty.
Welcome home to this beautifully remodeled top-floor oasis, offering the perfect blend of urban convenience and tranquil living just minutes from Downtown Bellevue! Bathe...
- 3 Beds
- 2 Baths
- 2554768 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
New Price! Boutique custom builder AART Homes presents a spectacular custom residence defined by unparalleled features and exquisite finishes. This masterfully engineered...
- 5 Beds
- 6 Baths
- 2556142 MLS
- ACTIVE Status
Listing courtesy of Best Choice Realty LLC.
Light and bright rambler offering 3 bedrooms, 1 bathroom, and 1,100 sq ft of comfortable single-level living. The functional floor plan features an oversized primary bedr...
- 3 Beds
- 1 Baths
- 2555579 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
This top floor end unit is simply gorgeous, boasting sweeping, ever-changing views of Lake Sammamish, the Cascade Mountains, and rolling territorial landscape that shift ...
- 2 Beds
- 2 Baths
- 2554532 MLS
- ACTIVE Status
Listing courtesy of Windermere R.E. Northeast, Inc.
0.821 park-like acres in Bellevue, surrounded by Cougar Mountain Regional Wildland Park, and located within the award-winning Issaquah School District. This unique proper...
- 3 Beds
- 3 Baths
- 2555990 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc.
Solar panels, A/C, dual shower heads, oversized deck, wired for generator, remote controlled window shades, private territorial views, wood burning fireplace, turf and sp...
- 5 Beds
- 3 Baths
- 2540583 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
Freshly updated throughout, this 1380 sq. ft. move-in ready home blends timeless Craftsman warmth with clean, modern finishes. The thoughtfully designed single-level floo...
- 3 Beds
- 2 Baths
- 2554961 MLS
- ACTIVE Status
Listing courtesy of Redfin.
North-facing corner homesite next to the community playground, filled with abundant natural light! Move-in ready luxury new construction at Bellevue’s premier Enclave at ...
- 5 Beds
- 4 Baths
- 2556002 MLS
- ACTIVE Status
Listing courtesy of Toll Brothers Real Estate, Inc.
Freshly updated 4-bedroom home nestled on a quiet cul-de-sac in Bellevue’s highly sought-after Newport Hills. Soaring vaulted ceilings and expansive windows bathe the ope...
- 4 Beds
- 3 Baths
- 2553698 MLS
- ACTIVE Status
Listing courtesy of Whisper Real Estate.
Located in the Heart of Lake Hills. Looking to renovate, invest or build new custom home on a large level lot? Hardwood floors throughout the living room and main floor b...
- 5 Beds
- 3 Baths
- 2550348 MLS
- ACTIVE Status
Listing courtesy of Realty ONE Group Orca Gold.
Woodcreek townhome featuring a stylishly updated kitchen with quartz countertops, tile backsplash, and stainless steel appliances, complemented by updated flooring, windo...
- 4 Beds
- 3 Baths
- 2555143 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Perfectly positioned in the heart of West Bellevue, this John Buchan-built 2014 residence combines timeless design, quality craftsmanship, and an exceptional location in ...
- 4 Beds
- 3 Baths
- 2546845 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Woodcreek townhome featuring a stylishly updated kitchen with quartz countertops, tile backsplash, and stainless steel appliances, complemented by updated flooring, windo...
- 4 Beds
- 3 Baths
- 2555141 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Welcome to Lakemont View! This private corner-unit 2-bedroom, 2-bathroom townhouse is nestled in a quiet, well-maintained community. High ceilings and large windows fill ...
- 2 Beds
- 2 Baths
- 2555826 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
American Classic Homes proudly presents their newest offering in Bellevue’s sought-after Eastgate neighborhood. Built by a local builder with more than 30 years of experi...
- 5 Beds
- 5 Baths
- 2554830 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Beautifully renovated and truly move-in ready, this exceptional Bellevue home offers the perfect combination of timeless charm, modern updates, and an unbeatable location...
- 5 Beds
- 3 Baths
- 2514109 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Exceptional Winfield at Lakemont home set at the top of a quiet cul-de-sac with beautiful views of The Golf Club at Newcastle and the Olympic Mountains from the upper lev...
- 4 Beds
- 3 Baths
- 2546657 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Seventeen floors above downtown Bellevue, Residence 1706 features 9-foot ceilings and walls of glass that fill the home with light while framing sweeping city views. The ...
- 1 Beds
- 2 Baths
- 2555089 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Tucked away on a quiet cul-de-sac in coveted Bridle Trails, this beautifully updated Cape Cod blends timeless New England charm with modern comfort and exceptional outdoo...
- 4 Beds
- 3 Baths
- 2555457 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
2700 sqft and fully renovated, two floor, true five-bedroom that rarely appears on market. Fully updated top to bottom, and truly turnkey. On a private drive four minutes...
- 5 Beds
- 3 Baths
- 2555251 MLS
- ACTIVE Status
Listing courtesy of Every Door Real Estate.
Thoughtfully renovated and perfectly positioned within the highly sought-after Spiritridge community, this move-in-ready townhome offers the ideal blend of modern updates...
- 3 Beds
- 3 Baths
- 2555807 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Sun-drenched modern living meets incredible value in Bellevue’s highly coveted Lake Hills community, surrounded by stunning multi-million dollar luxury estates. This beau...
- 3 Beds
- 2 Baths
- 2553392 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
Welcome home to this beautifully updated 2-bedroom townhouse in the heart of Newport Hills! This bright and inviting home features an open floor plan with a private, full...
- 2 Beds
- 2 Baths
- 2550400 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Effortlessly elegant modern Northwest home in West Bellevue, minutes from downtown shops and restaurants with a refined neighborhood feel. A 9' door opens to a two-story ...
- 5 Beds
- 7 Baths
- 2555261 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate Co..
Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Bellevue, WA Home Loans
Secure the right home loan in Bellevue, WA with our trusted mortgage experts. We provide local insights, personalized financing options, and proven strategies to help you buy with confidence. Whether you’re a first-time buyer, refinancing, or upgrading to your dream home, our team connects you with the best rates, guides you through the pre-approval process, and ensures a smooth, stress-free path to homeownership.
AJ Allen
Your Bellevue, WA Mortgage Lender
AJ Allen, a licensed broker with Pellego and owner of APEX Mortgage LLC, brings a unique combination of real estate expertise and mortgage industry knowledge to the Bellevue, WA housing market market. With years of experience helping clients navigate both home purchases and financing, AJ offers strategic market insight, a sharp eye for property value, and end-to-end guidance through every step of the process. Whether buying your first home, upgrading, or investing, AJ delivers personalized solutions that align with your financial and real estate goals across the Seattle area.
Best Home Loan Rate for Your New Bellevue Home Purchase
Locking the best home loan rate in Bellevue, WA starts with a precise plan. As a local lender serving the Greater Seattle area—Seattle, Bellevue, Kirkland, Redmond, Issaquah, Sammamish and beyond—APEX Mortgage LLC and owner/lender AJ Allen tailor your financing around your goals and timeline. We fine-tune pre-approval, analyze credit and DTI, and match you to the right product—Conventional, FHA, VA, Jumbo, or ARMs—so you’re positioned to win offers while minimizing total borrowing cost.
We actively track Seattle mortgage rates and advise on rate-lock timing, points vs. no-points, and closing cost strategies to reduce your APR. Our local appraisal and underwriting coordination helps you move fast in competitive King/Snohomish/Pierce markets, while our negotiation and communication keep your file clean through inspection, escrow, and closing. Work with APEX Mortgage LLC and AJ Allen for a data-driven path to the best home loan rate on your new Bellevue home.
Secure the Best Home Loan in Bellevue, WA
Work with Bellevue’s trusted mortgage experts, AJ Allen and the team at APEX Mortgage LLC. With personalized loan options, competitive rates, and expert guidance, we make financing your home simple. Get pre-approved, explore refinancing, and move forward with confidence in the Bellevue real estate market.
Mortgage and Home Financing in Bellevue, WA
Why finance a home in Bellevue, WA?
Bellevue blends a thriving tech economy with scenic lakeside living, top-rated schools, and world-class amenities, making it one of the most desirable places to buy a home in the greater Seattle area. From the bustling Spring District to quiet, tree-lined neighborhoods in Newport Hills, the city offers a wide range of property types—from high-rise condos to luxury single-family homes. Financing a home in Bellevue can be a strategic move to build long-term wealth while enjoying access to jobs, culture, and outdoor recreation across the Eastside and Seattle.
As you explore home loans in Bellevue, you’ll find competitive options thanks to strong local demand, a robust lender network, and a stable market supported by employers in technology, healthcare, and biotech. Whether you’re a first-time buyer eyeing a downtown condo or a move-up buyer targeting a larger property in Bridle Trails, thoughtful mortgage planning can help you secure the right loan structure and payment for your goals.
- Economic strength: Anchored by global tech companies in Bellevue, Redmond, and Kirkland, the Eastside offers a deep employment base that supports property values.
- Lifestyle and amenities: Waterfront parks, vibrant dining, and cultural venues complement quick access to hiking in Issaquah and Snoqualmie.
- Proximity: Efficient connections to Seattle, Mercer Island, and Sea-Tac Airport make Bellevue a convenient home base for regional commuters and frequent travelers.
- Long-term value: Historically resilient demand and limited land supply on the Eastside can support equity growth over time.
Understanding Bellevue mortgage rates
Bellevue mortgage rates move with national market forces—like inflation and the bond market—yet they’re also influenced by local competition among lenders, property type, and loan size. Because many homes on the Eastside press against conforming loan limits, your scenario (conforming vs. jumbo) can meaningfully change pricing. Strong credit, stable income, and adequate reserves generally help secure better terms.
To find the most favorable Bellevue mortgage rates, compare multiple quotes on the same day, review the cost of discount points, and evaluate how different loan terms (such as 30-year vs. 15-year) impact your monthly payment and total interest paid. Ask about float-down options on locks, especially for new construction or longer escrows common in the Spring District and downtown Bellevue condo towers.
- Credit and debt: Higher credit scores and lower debt-to-income ratios typically improve pricing.
- Loan type and term: Fixed-rate and ARM selections, along with 15-, 20-, or 30-year terms, affect cost.
- Down payment and equity: Larger down payments can reduce risk-based pricing and mortgage insurance.
- Points and fees: Paying points may lower your rate; compare the break-even timeline before buying them.
- Loan size and occupancy: Jumbo balances and investment properties price differently than conforming, owner-occupied loans.
Popular home loans in Bellevue
Home loans in Bellevue include a full spectrum of programs designed for different budgets and property types. The best choice depends on your down payment, credit profile, time horizon, and whether you plan to buy a condo, townhome, or single-family residence. Mortgage lenders in Bellevue can help tailor options to your needs and the unique characteristics of your target neighborhood—whether that’s Meydenbauer Bay, West Bellevue, or Eastgate.
- Conventional mortgages: Flexible, widely available, and ideal for borrowers with solid credit. Private mortgage insurance (PMI) can be removed after sufficient equity is established.
- Jumbo loans: Designed for higher-priced Eastside homes that exceed conforming limits. Often require strong credit, reserves, and careful documentation, with both fixed and ARM structures available.
- FHA loans: Low down payment and more flexible credit edges; attractive for first-time buyers. Consider mortgage insurance premiums and condo approval rules.
- VA loans: Zero-down options for eligible veterans, service members, and surviving spouses, with competitive rates and no monthly mortgage insurance.
- Adjustable-rate mortgages (ARMs): Popular for jumbo financing and buyers who plan to sell or refinance within a set timeframe.
Comparing these loan types side by side with at least three or four mortgage lenders in Bellevue can help you pinpoint the best rate-and-fee balance for your situation and property type.
First-time homebuyer programs in the Seattle–Bellevue area
First-time buyers on the Eastside can tap into state-backed programs and local resources to make purchasing more accessible. The Washington State Housing Finance Commission (WSHFC) offers down payment assistance and competitive-rate programs for eligible borrowers who meet income, purchase price, and credit criteria. Many programs pair with FHA, VA, or conventional loans and may require a homebuyer education course.
These options can reduce upfront cash requirements and help you compete in Bellevue’s fast-moving market. Be sure to ask mortgage lenders in Bellevue which assistance programs they’re approved to offer and how they integrate with your chosen loan type and property (including condos and townhomes).
- Down payment assistance: Deferred or low-interest second liens that cover a portion of your down payment and/or closing costs.
- Reduced-rate options: Programs that offer favorable pricing for qualifying buyers in King County.
- Education and counseling: Courses that strengthen your application and help you make confident decisions.
- Layering strategies: Combine assistance with seller credits or lender credits to lower your cash to close.
Jumbo loans for high-value Eastside properties
Bellevue’s luxury and near-luxury segments frequently call for jumbo financing. These loans exceed conforming limits and typically involve more detailed underwriting, potentially higher reserves, and nuanced property reviews, particularly for condos or unique homes. Many borrowers use jumbo ARMs to optimize monthly payments, especially if they plan to refinance or sell within a few years.
When you price jumbo home loans in Bellevue, pay close attention to rate adjustments for down payment levels, loan-to-value ratios, occupancy type, and your overall asset profile. Experienced mortgage lenders in Bellevue can guide you on the documentation and timing required to keep your purchase on track in competitive neighborhoods like Clyde Hill and Enatai.
- Stronger credit standards: Most jumbo lenders prefer higher scores and clean credit histories.
- Down payment flexibility: Options can range widely; discuss 10%, 15%, or 20%+ scenarios.
- Reserves and liquidity: Expect requirements for months of mortgage payments in savings or investment accounts.
- ARM vs. fixed: Evaluate the break-even horizon, especially in high-cost markets where ARMs can be efficient.
FHA and VA loans in Bellevue
FHA loans can open the door for buyers who need a lower down payment and more forgiving credit standards. FHA’s 3.5% minimum down payment and allowance for gift funds make it popular for first-time buyers, though the mortgage insurance premiums should be factored into your total cost. For condos, ask whether the building is FHA-approved or if a spot approval is possible.
VA loans offer powerful benefits for eligible veterans and service members stationed in or relocating to the Puget Sound region. With zero down payment, competitive Bellevue mortgage rates, and no monthly mortgage insurance, VA financing can improve purchasing power in high-demand areas. Work with a lender experienced in VA appraisals and local condo/HOA guidelines, and confirm any funding fee exemptions.
- FHA: 3.5% minimum down with qualifying credit, flexible on debt-to-income, and potential for down payment assistance pairing.
- VA: 0% down for eligible borrowers, favorable pricing, and streamlined refinancing options like the IRRRL for rate reductions.
- Condo considerations: Check building approvals for FHA/VA or ask about spot approval pathways.
Conventional loans and conforming limits
Conventional financing remains the backbone of many purchases in Bellevue and nearby cities like Kirkland, Redmond, and Mercer Island. Conforming loans, backed by Fannie Mae and Freddie Mac, are often priced competitively and allow PMI removal once you reach 20% equity. King County is treated as a high-cost area for conforming loan limits, which can boost purchasing power for many Eastside buyers without stepping into jumbo territory.
Work with your lender to verify the current-year conforming limits for 1- to 4-unit properties, as they can change annually. If your target price exceeds those limits, discuss high-balance conforming options (where available) versus true jumbo loans to determine the most cost-effective path.
- PMI strategies: Compare lender-paid vs. borrower-paid PMI and the timeline to remove or reduce it.
- High-balance loans: Where eligible, they can offer pricing between standard conforming and jumbo.
- Secondary units: Explore financing for homes with ADUs if you need rental income to qualify.
Refinancing strategies for Bellevue homeowners
Refinancing can lower your payment, reduce total interest, remove PMI, consolidate debt, or tap equity for renovations. With steady appreciation in many Bellevue neighborhoods, owners often consider cash-out refinancing or home equity solutions to fund upgrades or invest elsewhere. Timing your refinance around favorable Bellevue mortgage rates and calculating break-even points are key steps before committing.
For those with VA or FHA loans, streamlined refi programs may reduce paperwork and potentially lower costs. Homeowners with jumbo balances on the Eastside can also benefit from rate-term refinances, particularly when transitioning from an ARM to a fixed loan or vice versa based on financial goals.
- Rate-term refi: Reduce your rate or change your term to alter monthly payments and total interest.
- Cash-out refi: Unlock equity for remodels, education, or investments; weigh against HELOCs.
- PMI removal: Refinance to drop mortgage insurance once you meet equity thresholds.
- Streamlined options: FHA and VA streamline programs can shorten timelines and documentation.
How to choose mortgage lenders in Bellevue
In a market where multiple offers are common, partner with mortgage lenders in Bellevue who understand local property nuances, HOA rules, and appraisal trends. Experienced, responsive lenders can help your offer stand out, coordinate fast appraisal turn times, and navigate condo reviews—especially for new or boutique buildings in downtown Bellevue and the Spring District.
Compare lenders on more than just rate. Evaluate fees, lock policies, turn times, appraisal panels, and the ability to underwrite to the realities of Eastside transactions. A strong pre-approval letter backed by verified documentation can give sellers confidence that your financing will close smoothly.
- Pricing clarity: Compare true APRs, lender credits, and discount points across same-day quotes.
- Lock strategy: Ask about extended locks, float-downs, and rate caps for new construction.
- Local expertise: Condo experience, jumbo specialization, and knowledge of Bellevue HOAs and new builds.
- Communication: Dedicated support for quick updates, approvals, and documentation review.
Getting pre-approved for home loans in Bellevue
A robust pre-approval is essential in Bellevue’s competitive landscape. It helps you set a realistic budget, align on the right loan type (conventional, FHA, VA, or jumbo), and demonstrate to sellers that your financing is ready. Many buyers begin with a soft credit pull and scenario planning, then complete full underwriting to strengthen their offer.
- Income documentation: Recent pay stubs, W-2s or 1099s, and two years of tax returns for self-employed borrowers.
- Assets: Bank and investment statements showing down payment, reserves, and source of funds.
- Credit and debt: A credit report and a clear list of obligations to estimate your debt-to-income ratio.
- Property type: Share whether you’re targeting a condo, townhome, or single-family to guide program selection.
Down payment and closing costs in the Eastside market
Down payments typically range from 3% for certain conventional programs to 20% or more for jumbo loans, though individual scenarios vary. In addition to your down payment, plan for closing costs, which commonly include lender fees, appraisal, title, escrow, prepaid taxes, and insurance. In Bellevue and the broader Seattle area, closing costs can vary based on property type, taxes, and HOA dues for condos.
Ask your lender to prepare a detailed cost estimate early. You may be able to negotiate seller credits or apply lender credits to offset closing costs—especially helpful for first-time buyers leveraging down payment assistance. If you’re targeting new construction, developers may offer incentives or rate buydowns through preferred lenders.
- Total cash to close: Down payment plus closing costs minus any credits or assistance.
- PMI and MI: Understand monthly vs. upfront options and removal timelines.
- Reserves: Some loans, especially jumbo, require months of payments in the bank post-closing.
Condos, townhomes, and new construction financing
Bellevue’s skyline and walkable neighborhoods feature many condo opportunities. Financing condos requires an added layer of review, including HOA budgets, owner-occupancy ratios, litigation checks, and insurance coverage. For FHA or VA loans, building approvals or spot approvals may be necessary. A lender familiar with downtown Bellevue and nearby Kirkland or Redmond condos can streamline this process.
New construction purchases often involve longer timelines, making extended rate locks and float-down options valuable. Builder incentives may improve your effective Bellevue mortgage rates, but compare all terms to ensure the total package meets your long-term goals.
- Condo reviews: Warrantable vs. non-warrantable status affects pricing and eligibility.
- HOA health: Budgets, reserves, and special assessments can impact underwriting.
- Longer escrows: Ask about rate lock extensions and appraisal timing for new builds.
Investment properties and second homes
Bellevue’s strong rental demand and proximity to Seattle make it appealing for investors and second-home buyers. Conventional loans for non-owner-occupied properties typically require larger down payments, additional reserves, and strong credit. If you’re exploring short-term rentals, check local regulations and HOA rules, as they can affect eligibility and projected income.
Discuss with your lender whether projected rents can be used for qualification and compare rates and fees between investment and second-home financing. Consider long-term maintenance and vacancy assumptions as part of your debt-to-income planning.
- Down payment: Expect higher minimums and more conservative underwriting.
- Reserves: Lenders often require months of PITI across multiple properties.
- Income analysis: Appraisal rent schedules or lease agreements may be needed.
Interest rate locks and timing your purchase
In a market as dynamic as the Seattle–Bellevue corridor, interest rate strategy matters. A well-timed lock can protect you from volatility while you finalize inspections, appraisal, and HOA review. For longer timelines, ask about extended locks with float-downs to capture potential improvements. Always compare the cost of locking longer versus the risk of waiting.
Keep communication open with your lender when your offer is accepted—early appraisal and document updates help avoid last-minute surprises and re-lock fees. This is especially important for jumbo scenarios or complex income profiles common in the tech sector.
Common pitfalls to avoid
- Changing jobs or income structure mid-transaction without telling your lender.
- Opening new credit or making large purchases before closing.
- Underestimating HOA dues, property taxes, or insurance when budgeting.
- Skipping condo HOA reviews or misunderstanding building eligibility for FHA/VA.
- Focusing only on rate and ignoring points, fees, and lock policies.
- Not comparing multiple quotes for Bellevue mortgage rates on the same day.
Frequently asked questions about home loans in Bellevue
How competitive are Bellevue mortgage rates compared to Seattle? Rates are primarily driven by national markets, but local lender competition and property type can create small differences. Comparing at least three mortgage lenders in Bellevue is the best way to secure value.
Do I need 20% down to buy in Bellevue? No. Many programs allow lower down payments, including FHA, VA, and certain conventional options with PMI. Down payment assistance may also reduce upfront cash needs.
What if I’m buying a condo downtown? Expect added review of the HOA’s financials and insurance. Work with lenders experienced in condo financing and ask about building approval status for FHA or VA loans.
Are jumbo loans common on the Eastside? Yes. With higher price points in areas like West Bellevue and Clyde Hill, jumbo financing is widely used. Strong credit, reserves, and strategic ARM options can help you optimize costs.
Next steps: Start your Bellevue mortgage plan
Whether you’re purchasing your first condo near Bellevue Downtown Park or moving up to a single-family home in Somerset, a clear financing plan can give you an edge. Compare home loans in Bellevue across multiple lenders, request detailed cost estimates, and secure a strong pre-approval before you tour homes in Redmond, Kirkland, Mercer Island, or Issaquah. With the right guidance, you can lock in competitive Bellevue mortgage rates, align the loan type with your goals, and close with confidence in one of the Pacific Northwest’s most sought-after markets.
Begin by outlining your budget, gathering documentation, and scheduling a conversation with trusted mortgage lenders in Bellevue. With local expertise, transparent pricing, and a smart lock strategy, you’ll be well positioned to finance your next home on the Eastside.
Finance Homes for Sale in Bellevue, WA
Bellevue, WA Real Estate Market
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