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A private address. An extraordinary radius. Discover a rare opportunity at The Point on Yarrow Bay, where Kirkland, Bellevue and the Points communities converge. This...
- 3 Beds
- 3 Baths
- 2601449 MLS
- FIRST LOOK Status
Listing Broker: Windermere Real Estate/East; Heija Nunn; 206-459-0204; heija@heija.com
Tucked away on a quiet dead-end street, this inviting Kirkland home offers a wonderful blend of comfort, convenience & outdoor living. Bathed in natural light, the spacio...
- 3 Beds
- 2 Baths
- 2602195 MLS
- ACTIVE Status
Listing Broker: Real Broker LLC; Jack Duggan; 206-795-9880; j.duggan@mcconnellgroup.com
Discover the charm of lakeside living at Washington Shores, a boutique waterfront community on the shores of Lake Washington. This inviting residence features lake views ...
- 1 Beds
- 1 Baths
- 2600163 MLS
- ACTIVE Status
Listing Broker: Homes & Equity Real Estate Grp; Vladimir Rovinskiy; 253-222-4693; vlad.rovinskiy@gmail.com
Live, Rent or Build Your Dream Home in Coveted West of Market. Opportunity knocks in one of Kirkland’s most sought-after neighborhoods. This well-maintained 1,100 sq. ft....
- 3 Beds
- 1 Baths
- 2601203 MLS
- FIRST LOOK Status
Listing Broker: Realogics Sotheby's Int'l Rlty; Val Burmester; 425-652-2335; valerieburmester@gmail.com
Discover the appeal of Central Houghton living in this inviting single-level home, ideally situated on a quiet cul-de-sac in one of Kirkland’s most desirable neighborhood...
- 3 Beds
- 2 Baths
- 2601919 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Craig M Gaudry; 425-576-5555; craig@gaudry.com
A bold statement in contemporary architecture, The Houghton House 2.0 is an extraordinary expression of detailed craftsmanship & tech forward design. Designed by McCullou...
- 4 Beds
- 4 Baths
- 2601021 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Max Rombakh; 206-227-0737; maxr@windermere.com
Modern luxury meets Pacific Northwest design in this beautifully appointed Houghton rambler, where clean architectural lines, contemporary finishes and thoughtful smart-h...
- 4 Beds
- 4 Baths
- 2601853 MLS
- FIRST LOOK Status
Listing Broker: Real Broker LLC; Daniel Blau; 425-213-2743; d.blau@mcconnellgroup.com
SELLER OFFERING 2-1 BUYDOWN WITH PREFERRED LENDER. Discover exceptional flexibility & thoughtful design at Mt. Stone, an intimate 8 home community in the heart of Rose Hi...
- 3 Beds
- 3 Baths
- 2601796 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Max Rombakh; 206-227-0737; maxr@windermere.com
Welcome home to this special corner location, primary on the main, Centre Cottages treasure. No upgrade was missed with the detailed finish choices made at the Toll Broth...
- 2 Beds
- 3 Baths
- 2601804 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Stephanie Schuessler; 206-853-0834; stephanies@windermere.com
Beautifully refreshed 2-story residence in the coveted Finn Hill neighborhood. Situated on a desirable corner lot, this home features a sun-drenched, south-facing backyar...
- 3 Beds
- 3 Baths
- 2598949 MLS
- FIRST LOOK Status
Listing Broker: WeLakeside; Angie Jin; 206-698-9321; angiejin539@gmail.com
Experience elevated living at Jackson & Elm by Mirra Homes in the heart of downtown Kirkland! Built in 2025, this beautifully appointed end-unit townhome offers modern de...
- 3 Beds
- 3 Baths
- 2600374 MLS
- ACTIVE Status
Listing Broker: Real Broker LLC; Grayson Martello-Livingston; 425-633-4773; g.martello-livingston@mcconnellgroup.com
This beautifully transformed rambler offers the perfect blend of modern elegance, thoughtful design, and everyday functionality. Nestled on a quiet dead-end street in a w...
- 3 Beds
- 2 Baths
- 2598728 MLS
- ACTIVE Status
Listing Broker: Real Property Associates; Jenny Bouffiou; 206-902-7161; Jbouffiou@rpaseattle.com
Welcome to Itama Bay, where a one-of-a-kind architecturally designed residence offers approximately 1,850 square feet of living space on an approximately 4,800 square foo...
- 3 Beds
- 3 Baths
- 2601691 MLS
- ACTIVE Status
Listing Broker: Keller Williams Rlty Bellevue; Apryl Tolstoy; 425-941-6248; apryl@tolstoyventures.com
Welcome to Itama Bay, where a one-of-a-kind architecturally designed residence offers approximately 1,847 square feet of living space on an approximately 5,100 square foo...
- 3 Beds
- 3 Baths
- 2601684 MLS
- ACTIVE Status
Listing Broker: Keller Williams Rlty Bellevue; Apryl Tolstoy; 425-941-6248; apryl@tolstoyventures.com
Welcome to Itama Bay, where a one-of-a-kind architecturally designed residence offers approximately 1,847 square feet of living space on an approximately 4,800 square foo...
- 3 Beds
- 3 Baths
- 2601668 MLS
- ACTIVE Status
Listing Broker: Keller Williams Rlty Bellevue; Apryl Tolstoy; 425-941-6248; apryl@tolstoyventures.com
Freshly updated with spaces that inspire, this North Rose Hill home brings together modern comfort, versatile living, and thoughtful details throughout. Set on a spacious...
- 3 Beds
- 3 Baths
- 2598831 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Hao N. Dang; 206-601-1548; haodang@windermere.com
SELLER OFFERING 2-1 BUYDOWN WITH PREFERRED LENDER. Discover exceptional flexibility & thoughtful design at Mt. Stone, an intimate 8 home community in the heart of Rose Hi...
- 3 Beds
- 3 Baths
- 2601365 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Max Rombakh; 206-227-0737; maxr@windermere.com
Welcome to Itama Bay, where a one-of-a-kind architecturally designed residence offers approximately 1,850 square feet of living space on an approximately 4,800 square foo...
- 3 Beds
- 3 Baths
- 2601623 MLS
- ACTIVE Status
Listing Broker: Keller Williams Rlty Bellevue; Apryl Tolstoy; 425-941-6248; apryl@tolstoyventures.com
Welcome to Itama Bay, where a one-of-a-kind architecturally designed residence offers approximately 1,847 square feet of living space on an approximately 5,100 square foo...
- 3 Beds
- 3 Baths
- 2601609 MLS
- ACTIVE Status
Listing Broker: Keller Williams Rlty Bellevue; Apryl Tolstoy; 425-941-6248; apryl@tolstoyventures.com
Welcome to a charming Kirkland cottage where everyday convenience meets easy, single-level living! Tucked along a quiet cul-de-sac in the established Springbrook communit...
- 2 Beds
- 1 Baths
- 2600335 MLS
- ACTIVE Status
Listing Broker: Whisper Real Estate; Joe Munchel; 206-638-6367; joe@gowhisper.com
Welcome to Itama Bay, where a one-of-a-kind architecturally designed residence offers approximately 1,847 square feet of living space on an approximately 4,800 square foo...
- 3 Beds
- 3 Baths
- 2601582 MLS
- ACTIVE Status
Listing Broker: Keller Williams Rlty Bellevue; Apryl Tolstoy; 425-941-6248; apryl@tolstoyventures.com
Welcome home to this special corner location, primary on the main, Centre Cottages treasure. No upgrade was missed with the detailed finish choices made at the Toll Broth...
- 2 Beds
- 3 Baths
- 2601284 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Stephanie Schuessler; 206-853-0834; stephanies@windermere.com
This beautifully maintained home in a sought-after neighborhood showcases exceptional curb appeal and convenient access to I-405. The updated kitchen features elegant Sil...
- 3 Beds
- 3 Baths
- 2600433 MLS
- ACTIVE Status
Listing Broker: Redfin; Loren D. Ellingson; 253-306-2105; loren.ellingson@redfin.com
Refined yet deeply comfortable, this architect-designed Craftsman Farmhouse was created for the way you truly live, gather and unwind. A warm, open floor plan, designer-c...
- 5 Beds
- 5 Baths
- 2601358 MLS
- ACTIVE Status
Listing Broker: RE/MAX Northwest; Michael Peters; 206-522-5500; mpeters@sellingseattle.com
Start with the view, because that's what you'll remember. From this second-floor condo, Juanita Bay is your daily backdrop — and with a west-facing deck, the sunsets are ...
- 2 Beds
- 1 Baths
- 2600113 MLS
- ACTIVE Status
Listing Broker: Keller Williams Eastside; Sherri Bellefeuille; 206-817-4852; sherrib@kw.com
Escape the daily grind at "Our Place," a 2975sq’ custom home that feels calm, connected, and effortlessly livable on an oversized park like 15,000 sq’ lot (DADU’s could ...
- 4 Beds
- 3 Baths
- 2601396 MLS
- ACTIVE Status
Listing Broker: COMPASS; Brian Hopper; 425-300-7330; Brian.Hopper@Compass.com
High-quality new construction by NW Contour blends modern elegance with everyday convenience. This thoughtfully designed home offers three bedrooms and two and a half bat...
- 3 Beds
- 3 Baths
- 2601363 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; James Coleman V; 206-384-6077; jamesfcoleman15@windermere.com
This Kirkland home, built in 1983, features vaulted ceilings and large windows that fill the interior with light. The kitchen features quartz countertops, creating a well...
- 3 Beds
- 2 Baths
- 2601332 MLS
- ACTIVE Status
Listing Broker: Opendoor Brokerage, LLC; Sharon Parmenter; 206-202-8947; Sharon.Parmenter@opendoor.com
Welcome home to this beautifully refreshed top floor, 2-bedroom, 2-bath condo featuring vaulted ceilings that create a light, bright, and inviting living space. Freshly p...
- 2 Beds
- 2 Baths
- 2601176 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Central; Garrett Brown; 425-533-8459; gbrown@windermere.com
Invest in your future! Today features a 1977 built, near acre, light filled estate, that boasts a 2200 sf, 2 story home, plus an oversized 2 car garage, covered deck, an...
- 4 Beds
- 3 Baths
- 2598038 MLS
- ACTIVE Status
Listing Broker: Coldwell Banker Bain; Larry Gockel; 425-454-0470; larrygockel@cbbain.com
Welcome to The Kingston at Bridges West, where refined Northwest luxury meets elevated modern living. Thoughtfully designed for both everyday comfort and exceptional ente...
- 5 Beds
- 5 Baths
- 2599966 MLS
- ACTIVE Status
Listing Broker: Realogics Sotheby's Int'l Rlty; Brittany Buttelmann; 206-817-7034; brittany.buttelmann@rsir.com
Special financing available, Zero down payment for qualified borrowers!!! High-quality new construction by NW Contour blends modern elegance with everyday convenience. Th...
- 3 Beds
- 3 Baths
- 2601078 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; James Coleman V; 206-384-6077; jamesfcoleman15@windermere.com
Set on a park-like lot in an established Finn Hill neighborhood, this classic home offers mature landscaping, a peaceful setting, and the highly regarded Lake Washington ...
- 3 Beds
- 3 Baths
- 2600231 MLS
- ACTIVE Status
Listing Broker: John L. Scott Mill Creek; T.C. Hyatt; 425-280-8725; tchyatt@johnlscott.com
Beautifully updated 2-bedroom, 1.75-bath condo in the sought-after Tanager community, offering privacy and peaceful greenbelt views! The newly remodeled kitchen features ...
- 2 Beds
- 2 Baths
- 2600640 MLS
- FIRST LOOK Status
Listing Broker: Real Broker LLC; Melissa Weese; 855-450-0442; melissa@trellis-vine.com
Privacy, possibility, and a compelling Kirkland address. Tucked away down a private dead-end lane, 11424 NE 94th Street offers a remarkably secluded setting on a generous...
- 2601207 MLS
- ACTIVE Status
Listing Broker: Blue Pacific Real Estate; Kelly Byrne; 206-650-9419; Kelly@bluepacificre.com
**Seller Offering $25,000 Buyer Incentive! Use Toward Rate Buy-Down, Closing Costs, or Prepaid Expenses**.Completely reimagined home move-in ready! Tucked away on a pri...
- 4 Beds
- 3 Baths
- 2601163 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Sue Bethke; 206-755-4005; sbethke@windermere.com
Privacy, possibility, and a compelling Kirkland address. Tucked away down a private dead-end lane, 11424 NE 94th Street offers a remarkably secluded setting on a generous...
- 2 Beds
- 2 Baths
- 2598485 MLS
- ACTIVE Status
Listing Broker: Blue Pacific Real Estate; Kelly Byrne; 206-650-9419; Kelly@bluepacificre.com
Here’s the feel-good, lovely East of Market home you’ve been waiting for. Location? Perfect—steps to Kirkland Middle School, Kirk Elementary (highly sought after Lake Was...
- 4 Beds
- 3 Baths
- 2599761 MLS
- ACTIVE Status
Listing Broker: John L. Scott, Inc.; Angelina Wallent; 425-765-5038; angelinaw@johnlscott.com
A rare West of Market opportunity, this 5,960-square-foot luxury residence pairs exceptional scale and craftsmanship with west-facing views of Lake Washington, the city s...
- 4 Beds
- 7 Baths
- 2600183 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Wendy Klinker; 206-295-6504; wendy@windermere.com
Discover this bright, two-story condominium with thoughtful updates, close to transit and all that Kirkland has to offer! Unwind beside the wood-burning fireplace on cozy...
- 1 Beds
- 1 Baths
- 2600443 MLS
- ACTIVE Status
Listing Broker: RSVP Brokers ERA; Paula Antone; 425-306-4703; paula@paulaantone.com
Welcome to this stunning, fully remodeled 4-bedroom, 2-bath home, ideally situated in the highly coveted Lake Washington School District. Nestled on a spacious corner lot...
- 4 Beds
- 2 Baths
- 2601032 MLS
- ACTIVE Status
Listing Broker: Real Broker LLC; Jason Mesnick; 206-660-5055; jason@mdgresidential.com
A stunning 2026 transformation in Kirkland’s coveted East of Market neighborhood! Tucked on a quiet cul-de-sac, this fully renovated 4-bedroom, 2.75-bath home pairs eleva...
- 4 Beds
- 3 Baths
- 2601004 MLS
- ACTIVE Status
Listing Broker: Windermere Bellevue Commons; Grace Fowlds; 206-596-1990; gracef@windermere.com
Welcome to this beautifully reimagined Kirkland retreat in the desirable Finn Hill neighborhood! Extensively remodeled with permits, this stunning home offers an inviting...
- 4 Beds
- 3 Baths
- 2599587 MLS
- ACTIVE Status
Listing Broker: Real Broker LLC; Vaishnavi Nevrekar; 206-693-0016; V@homesbyv.com
Sophisticated Condo Living in Kirkland's Coveted West of Market Neighborhood! Spacious, light-filled & wonderfully private, this 1,501 SqFt condo is in Leland Place, a fa...
- 2 Beds
- 2 Baths
- 2597918 MLS
- ACTIVE Status
Listing Broker: Coldwell Banker Bain; Sarah Ford; 206-854-7702; SarahJFord@hotmail.com
This Downtown Kirkland home offers 3,304-square-foot, 4-bedroom in a coveted 25-home community that lives large, featuring abundant natural light, western exposure, and f...
- 4 Beds
- 4 Baths
- 2600649 MLS
- ACTIVE Status
Listing Broker: Windermere Bellevue Commons; Duke Young; 206-601-0529; duke@dukeyoung.com
Enjoy the best of Juanita living in this thoughtfully updated 2-bedroom condo just two blocks from Juanita Village and moments from Juanita Beach Park, waterfront trails,...
- 2 Beds
- 1 Baths
- 2600608 MLS
- ACTIVE Status
Listing Broker: Windermere RE/Capitol Hill,Inc; Monica McCormick; 206-450-1500; monicam@windermere.com
Welcome home to this sweet two-story, private Kirkland residence. Enter into light-filled open-concept main floor. Home lives large with well-appointed kitchen island, co...
- 2 Beds
- 3 Baths
- 2600617 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; John Cowan; 206-422-8741; hdteam@windermere.com
Prepare to be captivated by an extraordinary 180-degree panorama spanning Lake Washington, Bellevue, Seattle, Mount Rainier, and the Olympic Mountains. This exceptional K...
- 4 Beds
- 4 Baths
- 2600486 MLS
- FIRST LOOK Status
Listing Broker: Coldwell Banker Danforth; Lori Parker; 253-258-4463; lori@theepichometeam.com
Welcome home to this sweet two-story, private Kirkland residence. Enter into light-filled open-concept main floor. Home lives large with well-appointed kitchen island, co...
- 2 Beds
- 3 Baths
- 2598212 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; John Cowan; 206-522-9600; hdteam@windermere.com
Refined design meets West of Market charm in this new construction home by Terrene Homes. Offering 1,300 square feet with 3 bedrooms and 2.5 bathrooms, this thoughtfully ...
- 3 Beds
- 3 Baths
- 2600362 MLS
- ACTIVE Status
Listing Broker: Gillis Real Estate LLC; Ryan Gillis; 425-671-0561; ryan@gillisrealestate.com
Refined design meets West of Market charm in this new construction home by Terrene Homes. Offering 1,300 square feet with 3 bedrooms and 2.5 bathrooms, this thoughtfully ...
- 3 Beds
- 3 Baths
- 2599361 MLS
- ACTIVE Status
Listing Broker: Gillis Real Estate LLC; Ryan Gillis; 425-671-0561; ryan@gillisrealestate.com
Welcome to Sinclair, a pristine, beautifully maintained community in the heart of Kirkland's Finn Hill! Tucked away on a private corner along a quiet dead-end street, thi...
- 2 Beds
- 2 Baths
- 2598917 MLS
- ACTIVE Status
Listing Broker: 1 Percent Lists Northwest; Jeff Dickinson; 206-852-9711; jeffdickinson55@gmail.com
Experience modern living in this stunning NW contemporary home ideally located in Kirkland’s Juanita neighborhood. The thoughtfully designed floor plan with high-end fini...
- 5 Beds
- 5 Baths
- 2599895 MLS
- ACTIVE Status
Listing Broker: Berkshire Hathaway HS NW; Diana M. MacDonald; 206-949-7755; DianaMacDonald@BHHSNWRE.com
Tucked within a peaceful Kirkland neighborhood near Juanita Beach Park, Juanita Village, and downtown Kirkland, this beautifully updated home blends comfort with convenie...
- 4 Beds
- 3 Baths
- 2598993 MLS
- ACTIVE Status
Listing Broker: Windermere RE Greenwood; Junior Torres; 206-854-5596; junior@windermere.com
**One of Kirkland’s Best Values!** Compare the quality, design, and attention to detail, and you’ll quickly see what sets this home apart. Built by Granger & Co., a Kirkl...
- 5 Beds
- 4 Baths
- 2598635 MLS
- ACTIVE Status
Listing Broker: Windermere R.E. Northeast, Inc; Tony Ferrelli; 206-714-2785; ferrelli@windermere.com
A rare opportunity to own new construction in Kirkland with a story to tell. Completely rebuilt in 2026, this timeless craftsman begins an exceptional new chapter, preser...
- 3 Beds
- 4 Baths
- 2598391 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Max Rombakh; 206-227-0737; maxr@windermere.com
Experience modern living in this stunning NW contemporary home ideally located in Kirkland’s Juanita neighborhood. The thoughtfully designed floor plan with high-end fini...
- 5 Beds
- 5 Baths
- 2599419 MLS
- ACTIVE Status
Listing Broker: Berkshire Hathaway HS NW; Diana M. MacDonald; 206-949-7755; DianaMacDonald@BHHSNWRE.com
The pinnacle of penthouse living in Houghton’s premier boutique community. Perched atop Trilogy, this extensively reimagined top floor loft-style residence pairs dramatic...
- 2 Beds
- 2 Baths
- 2598708 MLS
- ACTIVE Status
Listing Broker: COMPASS; Joey Keeler; 206-999-6166; joey.keeler@compass.com
Custom built in 2018 and 4 star Green Built certified, this modern Holmes Point home offers a lifetime of ease and beauty, with rare deep water moorage and access from th...
- 4 Beds
- 4 Baths
- 2599516 MLS
- ACTIVE Status
Listing Broker: Realogics Sotheby's Int'l Rlty; Rachel Schindler; 206-922-3846; rachel@re-vesta.com
Permanent rate buydown options as low as 4.875% (5.641% APR) w/preferred lender. Subject to buyer approval - contact us for info. Award-winning builder, Merit Homes, debu...
- 5 Beds
- 4 Baths
- 2599202 MLS
- ACTIVE Status
Listing Broker: eXp Realty; Feisal Ramjee; 425-445-1765; feisal.ramjee@exprealty.com
Prime double-lot development opportunity in sought-after Kirkland with two compelling possibilities: four cottages or two luxury homes. Cottage plans have been submitted ...
- 2599565 MLS
- ACTIVE Status
Listing Broker: Heaton Dainard, LLC; Megan Halter; 425-273-1078; Megan@HeatonDainard.com
This Downtown Kirkland home offers 3,304-square-foot, 4-bedroom in a coveted 25-home community that lives large, featuring abundant natural light, western exposure, and f...
- 4 Beds
- 4 Baths
- 2598351 MLS
- ACTIVE Status
Listing Broker: Windermere Bellevue Commons; Duke Young; 206-601-0529; duke@dukeyoung.com
Rare find in Kirkland's desirable Finn Hill neighborhood! Tucked away on a peaceful cul-de-sac and backing to the lush greenery of Juanita Woodlands, this beautifully ref...
- 4 Beds
- 3 Baths
- 2598471 MLS
- ACTIVE Status
Listing Broker: Keller Williams Rlty Bellevue; Maggie Sun; 425-615-8293; maggie@maggiesunre.com
Welcome to this beautifully updated home in the heart of Kirkland’s sought-after Juanita neighborhood. Nestled against a lush greenbelt, this residence offers both privac...
- 1 Beds
- 1 Baths
- 2599331 MLS
- ACTIVE Status
Listing Broker: Pellego, Inc.; Nikita Krivorak; 760-818-6914; nikita@cityhometeam.com
Nestled in Kirkland’s highly coveted West Of Market neighborhood this enchanting Lake view home perfectly blends timeless character & modern convenience. The moment you a...
- 5 Beds
- 3 Baths
- 2599319 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Central; Clive Egdes; 206-251-1680; sold@cliveandjuliehomes.com
Exceptional new construction at the top of Finn Hill seamlessly blends sophistication, comfort & modern functionality. Meticulous attention to detail & generous upgrades....
- 5 Beds
- 4 Baths
- 2598939 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Julia H. Krill; 206-406-9000; jkrill@windermere.com
Striking NW Contemporary style 2 bedroom/1bath condo in sought-after Juanita. This 2nd floor unit features an open concept floorplan that’s bathed in natural light with a...
- 2 Beds
- 1 Baths
- 2599143 MLS
- ACTIVE Status
Listing Broker: Keller Williams Realty Bothell; Renee' DiBello; 425-466-8100; VIP@iGotSmart.com
Welcome home to this spacious top-floor Kirkland condo, where peaceful wooded surroundings and a thoughtfully designed floor plan create an inviting retreat! Offering 1,1...
- 2 Beds
- 2 Baths
- 2599241 MLS
- ACTIVE Status
Listing Broker: Better Properties Kent LLC; Lisa Trout; 253-246-7430; lisajotrout@gmail.com
Freshly updated and move-in ready! This inviting 2-bedroom, 1-bath Kirkland condo offers the perfect blend of comfort, style, and convenience. Step inside to discover fre...
- 2 Beds
- 1 Baths
- 2599212 MLS
- ACTIVE Status
Listing Broker: Snoqualmie Valley Real Estate; Brian Davis; 206-595-1521; brian@snoqualmievalleyre.com
Turnkey Tri-level in the desirable Kirkland Highlands. Situated on one of the neighborhood's best streets, the home features a bright, well laid out floorplan as well as ...
- 3 Beds
- 3 Baths
- 2598942 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Central; Clive Egdes; 206-251-1680; sold@cliveandjuliehomes.com
Sweeping views of Lake Washington, the city skyline, and the Olympic Mountains set the stage for this thoughtfully reimagined Kirkland residence. Perfectly positioned acr...
- 2 Beds
- 2 Baths
- 2595729 MLS
- ACTIVE Status
Listing Broker: Realogics Sotheby's Int'l Rlty; Lauren Jones; 206-795-5770; lauren.jones@rsir.com
The perfect combination of timeless character and comfort in this charming East of Market home. Perched on a huge private level lot, steps to Downtown Kirkland’s upscale ...
- 3 Beds
- 2 Baths
- 2598929 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Central; Clive Egdes; 206-251-1680; sold@cliveandjuliehomes.com
Thoughtfully built with exceptional attention to detail, this new Kirkland Highlands home combines timeless finishes with inviting, light-filled spaces. A covered front p...
- 4 Beds
- 4 Baths
- 2598906 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Ian MacMillan; 206-601-0699; ian@ianmacmillan.com
Treasured Bridlewood Circle home on 1.5 acres with access to Bridle Trails State Park from the property or through the neighborhood. There are so many possibilities with ...
- 3 Beds
- 2 Baths
- 2591778 MLS
- ACTIVE Status
Listing Broker: COMPASS; Heidi P Davalos; 425-870-3334; heidid@pacesetterpropertiesteam.com
Experience elevated new construction living in Kirkland with this beautifully designed single-family home by Linmak Construction, blending modern style, functionality, an...
- 4 Beds
- 4 Baths
- 2598297 MLS
- ACTIVE Status
Listing Broker: Gillis Real Estate LLC; Ryan Gillis; 425-671-0561; ryan@gillisrealestate.com
Beautiful new construction home by Linmak Construction in a prime Kirkland location, offering the perfect blend of style, comfort, and flexibility. This thoughtfully desi...
- 2 Beds
- 3 Baths
- 2598245 MLS
- ACTIVE Status
Listing Broker: Gillis Real Estate LLC; Ryan Gillis; 425-671-0561; ryan@gillisrealestate.com
Beautiful new construction home by Linmak Construction in a desirable Kirkland location, offering modern design, privacy, and exceptional flexibility. This thoughtfully c...
- 2 Beds
- 3 Baths
- 2598234 MLS
- ACTIVE Status
Listing Broker: Gillis Real Estate LLC; Ryan Gillis; 425-671-0561; ryan@gillisrealestate.com
Enjoy the best of the Downtown Kirkland lifestyle at The Plaza on State. This 2-bedroom, 2-bath condo is just steps from beautiful Lake Washington, the upscale Kirkland U...
- 2 Beds
- 2 Baths
- 2598015 MLS
- ACTIVE Status
Listing Broker: John L. Scott, Inc.; Angelina Wallent; 425-765-5038; angelinaw@johnlscott.com
Ideally located just steps from Kirkland’s vibrant waterfront and minutes from downtown, this beautifully updated townhome offers exceptional style, comfort, and convenie...
- 3 Beds
- 4 Baths
- 2597961 MLS
- ACTIVE Status
Listing Broker: John L. Scott, Inc.; Jonathan D. Jones; 206-226-3200; jonathanj@johnlscott.com
Beautiful new construction home by Linmak Construction in a prime Kirkland location, offering the perfect blend of style, comfort, and flexibility. This thoughtfully desi...
- 2 Beds
- 3 Baths
- 2597795 MLS
- ACTIVE Status
Listing Broker: Gillis Real Estate LLC; Ryan Gillis; 425-671-0561; ryan@gillisrealestate.com
Beautiful new construction home by Linmak Construction in a desirable Kirkland location, offering modern design, privacy, and exceptional flexibility. This thoughtfully c...
- 2 Beds
- 3 Baths
- 2597800 MLS
- ACTIVE Status
Listing Broker: Gillis Real Estate LLC; Ryan Gillis; 425-671-0561; ryan@gillisrealestate.com
Experience elevated new construction living in Kirkland with this beautifully designed single-family home by Linmak Construction, blending modern style, functionality, an...
- 4 Beds
- 4 Baths
- 2597791 MLS
- ACTIVE Status
Listing Broker: Gillis Real Estate LLC; Ryan Gillis; 425-671-0561; ryan@gillisrealestate.com
Fully remodeled & move-in ready, this beautifully updated North Juanita home pairs modern finishes with comfortable living spaces & a stellar location. Fresh interior & e...
- 4 Beds
- 3 Baths
- 2597667 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Dan Faulkner; 425-941-0040; danjr@danfaulkner.com
Thoughtfully built with exceptional attention to detail, this new Kirkland Highlands home combines timeless finishes with inviting, light-filled spaces. A covered front p...
- 4 Beds
- 4 Baths
- 2597469 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Ian MacMillan; 206-601-0699; ian@ianmacmillan.com
Incredible lake lifestyle with fabulous view for under $700,000! Enjoy low-maintenance living in this beautiful Kirkland condo next to Juanita Beach Park, where beach wal...
- 2 Beds
- 2 Baths
- 2597582 MLS
- ACTIVE Status
Listing Broker: COMPASS; Kate Horn; 425-393-9676; kate.horn@compass.com
Sophisticated, updated and thoughtfully designed, this spacious 1,318 sq ft condo offers the ease of no-stair living with entry through a secured building lobby, while th...
- 2 Beds
- 2 Baths
- 2587679 MLS
- ACTIVE Status
Listing Broker: Coldwell Banker Bain; Laurie Way; 206-283-5200; Laurie.Way@CBRealty.com
MOVE-IN READY FINN HILL TRI-LEVEL! Clean, updated, and exceptionally located, this 3-bed home delivers practical living with substantial improvements. The light-filled ma...
- 3 Beds
- 3 Baths
- 2594729 MLS
- ACTIVE Status
Listing Broker: Redfin; Lisa D Bender; 425-366-9353; lisa.bender@redfin.com
SPECIAL SELLER-PAID FINANCING — START AT 4.99%!Qualified buyers can take advantage of a Seller & Lender-paid 2-1 temporary rate buydown, reducing the interest rate to 4.9...
- 4 Beds
- 4 Baths
- 2597475 MLS
- ACTIVE Status
Listing Broker: Realogics Sotheby's Int'l Rlty; Brittany Buttelmann; 206-817-7034; brittany.buttelmann@rsir.com
Move in ready 3 bedroom home located in Rose Hill ~ Upon entry tall vaulted ceilings and an open floor plan give this home an airy, expansive feel. The updated kitchen ...
- 3 Beds
- 3 Baths
- 2596610 MLS
- ACTIVE Status
Listing Broker: Redfin; Emily Lam; 206-953-5176; emily.lam@redfin.com
Exceptional opportunity to own a well-established Asian restaurant located on the border of Kirkland and Kenmore, serving the community for over 13 years. This popular ne...
- 2596376 MLS
- ACTIVE Status
Listing Broker: Skyline Properties, Inc.; Paranee Judd; 206-679-7091; paraneejudd@gmail.com
SPECIAL SELLER-PAID FINANCING — START AT 4.99%!Qualified buyers can take advantage of a Seller and Lender-paid 2-1 temporary rate buydown, reducing the interest rate to 4...
- 5 Beds
- 5 Baths
- 2597473 MLS
- ACTIVE Status
Listing Broker: Realogics Sotheby's Int'l Rlty; Brittany Buttelmann; 206-817-7034; brittany.buttelmann@rsir.com
Room to breathe. Space to gather. A rare Bridle View retreat! Tucked within coveted Bridle Trails, this 3,650 SF true rambler rests on 35,000 SF of thoughtfully landscape...
- 4 Beds
- 4 Baths
- 2597316 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Central; Travis Stewart; 425-443-8728; travisstewart@windermere.com
Amazing condo featuring unobstructed views of Lake Washington, Olympic mountains, marina and city with over 1,800 square feet of updated living space. There is a primary ...
- 2 Beds
- 2 Baths
- 2597368 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate GH LLC; Keven O'Kinsella; 206-300-9772; kokinsel@windermere.com
An equestrian legacy. A remarkable location. A future full of possibility! Bridlewood Stables offers 1.46 acres in the heart of the Eastside, combining a welcoming home, ...
- 3 Beds
- 3 Baths
- 2596606 MLS
- ACTIVE Status
Listing Broker: Coldwell Banker Bain; Yang Xiao; 425-223-7496; yang.xiao@cbRealty.com
This NW contemporary custom classic by Murray Franklyn home in a PRIME KIRKLAND LOCATION is your own paradise. Featuring a spacious entry, oak hardwoods throughout the ma...
- 5 Beds
- 5 Baths
- 2597285 MLS
- FIRST LOOK Status
Listing Broker: Windermere RE West Campus Inc; Era Zayshlyy; 425-343-2943; era@windermere.com
ATTENTION Investors, Builders, Developers- great opportunity on a flat 7,760 sq ft lot. Existing home is 2 bedrooms, 1 bath with a detached garage. All while offering clo...
- 2597519 MLS
- PENDING - BACKUP OFFER REQUESTED Status
Listing Broker: Redfin; Emily Lam; 206-953-5176; emily.lam@redfin.com
ATTENTION Investors, Builders, Developers- great opportunity on a flat 7,760 sq ft lot. Existing home is 2 bedrooms, 1 bath with a detached garage. All while offering clo...
- 2 Beds
- 1 Baths
- 2595447 MLS
- PENDING - BACKUP OFFER REQUESTED Status
Listing Broker: Redfin; Emily Lam; 206-953-5176; emily.lam@redfin.com
Welcome to this enchanting cottage-style home by renowned builders AR Homes, ideally located in the Highlands neighborhood of Kirkland. The spacious main level features a...
- 2 Beds
- 3 Baths
- 2597322 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; John Cowan; 206-422-8741; hdteam@windermere.com
Extraordinary Pacific NW mid-century modern in coveted Holmes Pt, w/sweeping SW views of Lk Washington, city lights & rose-colored sunsets. Meticulously reimagined over t...
- 3 Beds
- 3 Baths
- 2597007 MLS
- ACTIVE Status
Listing Broker: Windermere R.E. Northeast, Inc; Bryan R. Loveless; 425-968-8181; BryanLoveless@windermere.com
**North Rose Hill Development Opportunity | 9,605 SF Lot | RSX 7.2 Zoning. Discover the possibilities of this generously sized 9,605 SF parcel in Kirkland's sought-after ...
- 3 Beds
- 2 Baths
- 2596044 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/Summit; Forrest Smith; 206-410-6610; forrest.smith@windermere.com
Great opportunity for first time home buyers or add to your rental portfolio. This stylish Kirkland condo offers modern comfort and everyday convenience, featuring soarin...
- 1 Beds
- 1 Baths
- 2597183 MLS
- ACTIVE Status
Listing Broker: Every Door Real Estate; Indy Basra; 206-605-7556; indyb@everydoorrealestate.com
What's Special: South Facing Lot | 1st Floor Guest Bedroom | Tech Center. New Construction – November Completion! Built by Taylor Morrison, America's Most Trusted Home Bu...
- 4 Beds
- 3 Baths
- 2597107 MLS
- ACTIVE Status
Listing Broker: Cascadian King Company, L.L.C.; Dylan Bowman; 425-677-0639; dbowman@taylormorrison.com
Ideally located just steps from Kirkland’s vibrant waterfront and minutes from downtown, this beautifully updated townhome offers exceptional style, comfort, and convenie...
- 3 Beds
- 4 Baths
- 2596366 MLS
- ACTIVE Status
Listing Broker: John L. Scott, Inc.; Jonathan D. Jones; 206-226-3200; jonathanj@johnlscott.com
Welcome to this enchanting cottage-style home by renowned builders AR Homes, ideally located in the Highlands neighborhood of Kirkland. The spacious main level features a...
- 2 Beds
- 3 Baths
- 2596831 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; John Cowan; 206-422-8741; hdteam@windermere.com
Top-floor living in the heart of Juanita! This bright and well-maintained 2-bedroom, 1.75-bath condo offers a spacious, functional layout filled with natural light, a gen...
- 2 Beds
- 2 Baths
- 2596991 MLS
- ACTIVE Status
Listing Broker: Coldwell Banker Bain; Mi Shun Shin; 206-288-9747; temiseattle@gmail.com
Welcome home to this stunning, fully permitted remodel in the heart of Kirkland! Taken down to the studs and rebuilt with all new systems, this home gives you the peace o...
- 5 Beds
- 3 Baths
- 2596748 MLS
- ACTIVE Status
Listing Broker: Real Residential; Leka Devatha; 425-301-4575; leka@rehabithomes.com
Excellent opportunity to acquire an established, profitable bubble tea business in a prime Kirkland location. This approximately 800 SF shop is currently operated by an a...
- 2596471 MLS
- ACTIVE Status
Listing Broker: Keller Williams Realty PS; Hanna Lee; 206-422-4328; hannalee@kw.com
Now available at Stuart by Cordillera Homes: Lot 1, set high above the neighborhood with Lake WA views. Inside reflects the quality & craftsmanship Cordillera Homes is kn...
- 4 Beds
- 4 Baths
- 2591568 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Max Rombakh; 206-227-0737; maxr@windermere.com
Modern architecture meets everyday livability in the heart of Kirkland's desirable Houghton neighborhood! Striking contemporary design, warm wood accents, and beautifully...
- 4 Beds
- 3 Baths
- 2596801 MLS
- ACTIVE Status
Listing Broker: Berkshire Hathaway HS NW; Mark Leingang; 425-390-4247; markleingang@bhhsnwrealestate.com
Surround yourself w/ peace & quiet amidst the Yarrow Bay Wetlands Preserve, a 73-acre natural oasis perfectly situated near both Bellevue & Kirkland - welcome to life at ...
- 2 Beds
- 3 Baths
- 2596747 MLS
- ACTIVE Status
Listing Broker: RE/MAX Northwest; Michael Schafer; 206-920-8747; michael@schaferRE.com
LENDER PAID 1% RATE BUY-DOWN WITH SELLER’S PREFERRED LENDER. Tucked into the coveted Lochshire community along Forbes Creek, this beautifully updated townhome offers a ra...
- 2 Beds
- 3 Baths
- 2596422 MLS
- ACTIVE Status
Listing Broker: COMPASS; Brittany Haun; 206-454-9779; brittanyhaun@compass.com
Welcome to Upland Green! Tucked along a quiet, meandering road away from the bustle, yet close to everything Kirkland offers, this completely updated, Move-In Ready 1,310...
- 3 Beds
- 2 Baths
- 2595463 MLS
- ACTIVE Status
Listing Broker: Windermere Northlake; Jan Craven-Greenberg; 425-286-9772; jan@windermere.com
All about the lake VIEWS, VIEWS, VIEWS! Timeless architecture, refined craftsmanship, and a true waterfront lifestyle come together in this remarkable Lake Washington hom...
- 2 Beds
- 2 Baths
- 2593047 MLS
- ACTIVE Status
Listing Broker: COMPASS; Brian Hopper; 425-242-6440; Brian.Hopper@Compass.com
LENDER PAID 1% RATE BUY-DOWN WITH SELLER’S PREFERRED LENDER. Tucked into the coveted Lochshire community along Forbes Creek, this beautifully updated townhome offers a ra...
- 2 Beds
- 3 Baths
- 2595877 MLS
- ACTIVE Status
Listing Broker: COMPASS; Brittany Haun; 206-454-9779; brittanyhaun@compass.com
Freshly updated and move-in ready, this ground-floor Kingsgate Terrace condo offers a practical layout, comfortable living spaces, and a convenient Kirkland location. Re...
- 2 Beds
- 1 Baths
- 2593753 MLS
- ACTIVE Status
Listing Broker: RE/MAX Eastside Brokers, Inc.; Michelle Hogg; 206-595-3846; michelle.hogg2@frontier.com
Beautifully updated Kingsgate condo offering exceptional privacy, peaceful territorial views, and stunning western sunsets! Elevated above the surrounding greenspace with...
- 2 Beds
- 1 Baths
- 2594882 MLS
- ACTIVE Status
Listing Broker: COMPASS; Ian Gettis; 253-303-1651; ian.gettis@compass.com
Rare land development opportunity in Kirkland’s East of Market neighborhood, or owner-occupy, just a two-minute walk from vibrant downtown Kirkland. Plans are available f...
- 2595679 MLS
- ACTIVE Status
Listing Broker: Venture Real Estate Group LLC; Jamie Langsford; 206-934-0237; jlangsford@vreg.co
Excellent Opportunity in a Desirable Kirkland Location! Whether you're an investor seeking your next project or a buyer looking to build equity, this well-maintained 3-be...
- 3 Beds
- 2 Baths
- 2594098 MLS
- ACTIVE Status
Listing Broker: John L. Scott, Inc.; Kirk Russell; 206-448-9600; KirkRussell@johnlscott.com
A private lane. A corner setting. A Tiffany-blue welcome. Contemp Artessa home delivers personality, privacy, plus the feel of single-family living and thoughtfully desig...
- 3 Beds
- 4 Baths
- 2593895 MLS
- ACTIVE Status
Listing Broker: FIRST AND MAIN; Ryan Raffetto; 206-261-1206; ryan@raffettorealestate.com
Set on a quiet cul-de-sac with wooded trails running alongside the property, this beautifully updated 4-bedroom, 2-bath home offers single-level living, privacy, neighbor...
- 4 Beds
- 2 Baths
- 2594244 MLS
- ACTIVE Status
Listing Broker: Realogics Sotheby's Int'l Rlty; Kat Gilmore; 206-229-4564; Kat.Gilmore@RSIR.com
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.
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Kirkland, WA Home Loans
Secure the right home loan in Kirkland, 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 Kirkland, 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 Kirkland, 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.
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Best Home Loan Rate for Your New Kirkland Home Purchase
Locking the best home loan rate in Kirkland, 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 Kirkland home.
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Secure the Best Home Loan in Kirkland, WA
Work with Kirkland’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 Kirkland real estate market.
Mortgage and Home Financing in Kirkland, WA
Kirkland, Washington blends lakeside living, top-tier schools, and proximity to the Pacific Northwest’s strongest tech and biotech employers—making it one of the most desirable places to buy a home on the Eastside. Whether you’re eyeing a condo near the waterfront, a townhome in Totem Lake, or a single-family home in Houghton or Juanita, choosing the right financing strategy is key. This guide explains mortgage options, first-time homebuyer programs, refinancing strategies, and how to compare mortgage lenders in Kirkland so you can confidently pursue homeownership. Along the way, we’ll naturally reference Kirkland mortgage rates, home loans in Kirkland, and mortgage lenders in Kirkland to help you find information fast without the fluff.
Why finance a home in Kirkland, WA?
Kirkland offers a lifestyle that couples Lake Washington views with walkable neighborhoods and quick connections to Bellevue, Redmond, and Seattle. That desirability supports long-term housing demand and strong fundamentals for homeowners. Financing a home here can help you build equity in a high-opportunity community while taking advantage of competitive lending programs tailored to King County and the greater Seattle area.
- Walkable waterfront districts, boutique shops, and parks—from Marina Park to Juanita Bay—appeal to both first-time buyers and move-up homeowners.
- Easy access to I-405 and SR 520 connects you with the Eastside tech corridor and downtown Seattle in minutes during off-peak hours.
- Employers nearby include Google (Kirkland Urban), Microsoft (Redmond), Amazon, and growing health and life sciences hubs.
- Lake Washington School District and nearby higher education pipelines support long-term demand.
As you explore home loans in Kirkland, you’ll find that loan options and down payment assistance are designed to help buyers compete in a fast-paced market without compromising on terms.
Understanding Kirkland mortgage rates
Kirkland mortgage rates fluctuate with broader economic trends, inflation data, and mortgage-backed securities markets. Your personal rate depends on credit score, down payment, debt-to-income ratio, loan type (conventional, FHA, VA, jumbo), property type (single-family, condo, multi-unit), loan term, points, and lock period. Because King County includes high-cost areas, you’ll see both standard conforming and high-balance conforming pricing tiers alongside jumbos.
Buyers comparing mortgage lenders in Kirkland should ask about:
- Rate locks (30–60–90 days), extension costs, and whether a float-down option is available if rates improve.
- ARM options (such as 5/6, 7/6, and 10/6 SOFR ARMs) versus fixed-rate loans, especially useful for jumbo financing.
- Permanent and temporary buydowns that can lower your initial monthly payments.
Because Kirkland mortgage rates can vary daily, obtain same-day quotes from multiple lenders with identical assumptions (points, lock period, and closing date) for a fair comparison.
Popular home loans in Kirkland
Kirkland’s housing mix spans luxury waterfront estates, downtown condos, and established single-family neighborhoods. Accordingly, mortgage lenders in Kirkland offer a wide range of products to meet varied price points and borrower profiles.
- Conventional conforming: Competitive rates, flexible terms, as low as 3% down for first-time buyers, and options to reduce or eliminate PMI via lender-paid or single-premium structures.
- High-balance conforming: Designed for high-cost counties like King County, providing larger loan amounts at conforming guideline levels.
- Jumbo loans: Tailored to higher-priced homes; may offer interest-only periods, portfolio underwriting for complex income, and specialized ARM programs.
- FHA loans: 3.5% down with flexible credit standards and assumable loans; helpful for first-time buyers and those rebuilding credit.
- VA loans: 0% down for eligible veterans, service members, and surviving spouses; no monthly mortgage insurance and favorable guidelines in high-cost areas with full entitlement.
- Renovation loans: FHA 203(k) and Fannie Mae HomeStyle for updating older homes or expanding living space.
- Doctor/professional loans: Portfolio programs for physicians, dentists, and other professionals offering low or no down payment with no PMI (availability varies by lender).
- USDA loans: Typically not available within Kirkland city limits, but certain outlying areas in the greater Seattle region may qualify.
With the right match between property, price point, and loan program, home loans in Kirkland can be tailored to your timeline and budget.
First-time homebuyer programs in Kirkland and the Seattle area
First-time buyers often worry about down payments; fortunately, Washington State and local resources can help. The Washington State Housing Finance Commission (WSHFC) provides popular programs that many mortgage lenders in Kirkland are approved to offer.
- WSHFC Home Advantage: Pairs a competitive first mortgage with down payment assistance (often in the form of a low-interest or deferred second mortgage). Homebuyer education is typically required.
- House Key Opportunity: Income-based program that may provide below-market interest rates for qualified buyers.
- Down Payment Assistance (DPA): Multiple options that can layer with FHA or conventional loans to reduce upfront cash needs. Terms vary; some are deferred until sale or refinance.
- HomeReady and Home Possible: Conventional programs with 3% down, reduced PMI, and flexible credit guidelines, subject to income and area median income caps.
Some city or county initiatives may also be available periodically in King County—ask your lender and real estate agent to flag programs that fit your profile. Be sure to compare total costs, not just the rate, when evaluating first-time buyer options and DPA. A strong pre-approval and education certificate can make your offer more competitive in busy Kirkland submarkets like Downtown, Houghton, and Juanita.
How to compare mortgage lenders in Kirkland
Working with experienced mortgage lenders in Kirkland can make a significant difference when you’re competing in multiple-offer situations or financing a condo in a building with unique HOA requirements. Compare banks, credit unions, independent mortgage brokers, and direct lenders.
- Pricing: Compare rate, points, and APR on the same day with the same assumptions. Ask about lender credits to reduce closing costs.
- Fees: Review origination, underwriting, processing, and third-party fees (appraisal, title, escrow, recording).
- Execution: Local appraisal panels, turn times, and the ability to pre-underwrite your file can help you close faster.
- Lock policies: Understand lock lengths, extension costs, and float-down options as Kirkland mortgage rates move.
- Communication: Responsiveness, clear fee estimates, and status updates are essential in fast-moving Eastside markets.
Request a written loan estimate for transparency and to make an apples-to-apples comparison. Strong local lender relationships can also help with condo warrantability and HOA questionnaire nuances common to downtown Kirkland and Bellevue towers.
Getting pre-approved for home loans in Kirkland
A robust pre-approval sets your budget and strengthens your offer. In competitive Eastside markets, a fully underwritten pre-approval can rival cash in credibility. Start early so you can lock quickly if you find the right home and Kirkland mortgage rates dip.
- Documents: 30 days of pay stubs, two years of W-2s/1099s, two years of tax returns if self-employed, two months of asset statements, and ID.
- Credit and DTI: Review your credit for accuracy; discuss paying down balances to improve your debt-to-income ratio and qualify for better pricing.
- Funds to close: Prepare for earnest money, down payment, closing costs, and reserves. Source and season large deposits.
- Letters: Ask for a property-specific pre-approval letter aligned with your negotiation strategy.
Your real estate agent and lender can collaborate on offer terms—such as appraisal timelines, appraisal gap strategies, and potential seller credits for rate buydowns—to give you a competitive edge on the Eastside.
Refinancing and tapping equity in Kirkland
Refinancing can be an effective way to manage monthly payments, fund renovations, or eliminate mortgage insurance. Home equity has grown across many Seattle-area neighborhoods; homeowners may have options even if they purchased with a low down payment.
- Rate-and-term refinance: Lower your rate, shorten your term, or switch from an ARM to a fixed-rate loan.
- Cash-out refinance: Access funds for remodels, ADUs, tuition, or debt consolidation. Consider the tax and financial implications with your advisor.
- HELOC or home equity loan: Keep your existing first mortgage rate intact while borrowing against equity for flexible access to funds.
- PMI removal: Reappraise to document equity and remove private mortgage insurance on conventional loans when eligible.
Always calculate break-even timelines by dividing total costs by monthly savings. If you expect to move within a short period, a no-cost or low-cost option—or a HELOC—might be more appropriate.
Jumbo loans and high-balance strategies in Kirkland
Given Kirkland’s price points, many buyers explore high-balance conforming or jumbo financing. Jumbo programs can accommodate complex income and assets, which is particularly useful for tech professionals with RSUs, self-employed business owners with K-1 income, and buyers with concentrated stock holdings.
- Split-loan structures (e.g., 80-10-10) can keep your first mortgage at conforming limits and reduce or eliminate PMI.
- ARM choices (7/6 or 10/6) often price attractively in jumbo tiers, with caps designed for rate risk control.
- Portfolio underwriting may allow interest-only features, asset depletion, or alternative documentation.
For condos, ensure the project meets warrantability standards; some jumbo lenders offer more flexible reviews for strong buildings in downtown Kirkland, Bellevue, and South Lake Union.
FHA and VA loans in Kirkland
FHA loans help buyers overcome credit challenges with low down payments and more flexible debt ratios. They include upfront and monthly mortgage insurance and minimum property standards. Ask about FHA condo approvals if you’re buying in a building—your lender can help check the project’s eligibility or pursue spot approvals.
VA loans offer zero down, no monthly mortgage insurance, and powerful high-cost county benefits for eligible borrowers with full entitlement. VA appraisals have unique processes (including Tidewater) and residual income requirements, but experienced mortgage lenders in Kirkland can navigate these efficiently. Many VA buyers also pair seller credits with temporary buydowns to lower initial payments.
Condominiums and townhomes in downtown Kirkland
Condos near the waterfront, Kirkland Urban, and Totem Lake offer lock-and-leave living with quick access to dining, shopping, and the Cross Kirkland Corridor. Financing condos involves additional layers of review beyond your personal income and credit.
- Warrantability: Lenders review HOA budgets, reserves, insurance, litigation, and owner-occupancy ratios.
- HOA dues: Count toward your debt-to-income ratio and can affect affordability.
- New construction and presales: Builder timelines and HOA formation can influence loan products and rate locks.
- Non-warrantable options: Portfolio lenders may finance communities that don’t meet agency guidelines, often at higher rates.
Ask your lender to pre-screen the HOA before you waive contingencies, especially in competitive offers.
Interest rate buydowns and closing cost strategies
In markets like Kirkland, where pricing and competition vary by neighborhood and season, strategic use of points and credits can make a notable difference in your monthly payment.
- Permanent buydowns: Pay points at closing to reduce the rate for the life of the loan; assess the break-even period.
- Temporary buydowns: 2-1 or 1-0 buydowns funded by sellers/builders can lower payments in the first years of ownership.
- Lender credits: Accept a slightly higher rate to offset closing costs if your stay is shorter.
- Seller credits: Negotiate credits in lieu of price reductions to target rate buydowns or closing costs.
Because Kirkland mortgage rates can shift during your home search, discuss lock timing and contingency planning with your lender, especially on new construction in Totem Lake or Juanita where timelines can change.
Costs and timelines in Washington State
Plan for down payment, closing costs, prepaid interest, and initial escrow deposits for taxes and insurance. Washington is an escrow state; you’ll typically sign loan documents at a neutral escrow office. Most purchases close in roughly 25–35 days, though fully underwritten buyers can move faster. Title insurance, appraisal, lender fees, and recording costs are common line items; seller-paid credits and lender credits can offset some of these expenses.
Ask for a preliminary closing disclosure early, review fees carefully, and compare loan estimates from several mortgage lenders in Kirkland on the same day to account for market moves.
Local market context: Kirkland, Bellevue, Redmond, and greater Seattle
Inventory across the Eastside can tighten seasonally, particularly near major employment centers and waterfront corridors. New amenity-rich developments around Kirkland Urban and Totem Lake Village attract buyers seeking low-maintenance living, while single-family neighborhoods see steady demand for proximity to parks, schools, and Lake Washington. Light rail expansion, regional transit upgrades, and employer growth in Bellevue and Redmond all influence housing dynamics—and underscore the value of getting pre-approved early and tracking home loans in Kirkland as rates change.
Checklist to get started
- Review credit and address inaccuracies before pre-approval.
- Define your target monthly payment and total cash to close.
- Gather income, asset, and identity documents.
- Interview 3–5 mortgage lenders in Kirkland for quotes and service fit.
- Select a lender for pre-underwriting to strengthen your offer.
- Coordinate with your agent on offer terms, appraisal strategy, and timing.
- Monitor Kirkland mortgage rates and lock when your home is under contract.
This simple preparation can save time, reduce stress, and position you competitively in multiple-offer scenarios across the Eastside.
FAQ: Home loans in Kirkland
- Can I buy with a low down payment? Yes. Many first-time buyers use 3% down conventional loans, 3.5% down FHA, or 0% down VA (for eligible borrowers). Some pair these with state DPA programs.
- How many quotes should I get? Most experts recommend 3–5 same-day quotes using identical assumptions for an apples-to-apples view of pricing.
- Are adjustable-rate mortgages common? Yes, especially in jumbo tiers, where 7/6 or 10/6 ARMs can price attractively with reasonable caps.
- When does PMI drop? On conventional loans, PMI can be cancelled when you reach sufficient equity and meet investor guidelines; FHA MIP rules differ based on loan factors.
- What about investment properties? Expect higher down payments and rates; some non-QM lenders offer DSCR loans based on property cash flow.
Always consult with your lender and qualified tax or financial professionals about how different loan structures and deductions may affect your situation.
Your next step
If you’re ready to explore home loans in Kirkland, start with a strong pre-approval and a side-by-side comparison from several mortgage lenders in Kirkland. Ask about today’s Kirkland mortgage rates, confirm total costs and lock policies, and choose a lending partner who understands the nuances of Eastside neighborhoods, condo warrantability, and jumbo financing. With the right guidance, you can secure competitive terms and enjoy everything Kirkland—and the greater Seattle area—has to offer.
Finance Homes for Sale in Kirkland, WA
Kirkland, WA Real Estate Market
Stay informed on the latest trends in the Kirkland real estate market. As local experts, we know the area's homes, condos, and neighborhoods inside and out—and can help you make the best decisions whether you're buying or selling in today’s market. Contact us for questions or to request more detailed market statistics.
Explore Seattle Area Neighborhoods
Discover the best places to live in the greater Seattle area—from vibrant city neighborhoods to Eastside tech hubs, quiet Snoqualmie Valley towns, and scenic waterfront communities. Explore each region to find the perfect fit for your Washington lifestyle and real estate goals.