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Discover Jade your stunning urban oasis in kirkland. This exceptional top-floor unit, with its east-facing view, features impressive 9-foot ceilings and high-end applianc...
- 1 Beds
- 1 Baths
- 2561245 MLS
- ACTIVE Status
Listing courtesy of Windermere Bellevue Commons.
Welcome to Kirkland’s Windsor Vista, a fantastic location for easy transit to major job centers, schools and shopping. Enter to spacious and open main living area with li...
- 3 Beds
- 3 Baths
- 2560656 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
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
- 2561162 MLS
- ACTIVE Status
Listing courtesy of Every Door Real Estate.
Experience timeless style and everyday comfort in the highly sought-after Finn Hill community. This beautifully maintained 3 bedroom single-story offers an inviting open ...
- 3 Beds
- 2 Baths
- 2560220 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
{Updated & Move-In Ready} ~ 4 bedroom, 2.5 bath lovingly maintained split level home sits on a cul-de-sac. Open kitchen featuring newer high-end appliances w/ induction s...
- 4 Beds
- 3 Baths
- 2559430 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Tucked into a quiet Kingsgate/Juanita setting yet close to everything, this single-level 3-bedroom, 1.75-bath home offers comfort, space, and privacy in one of Kirkland's...
- 3 Beds
- 2 Baths
- 2560483 MLS
- ACTIVE Status
Listing courtesy of Home Haven Real Estate LLC.
Rare top-floor condo featuring soaring vaulted ceilings and abundant natural light in an unbeatable Totem Lake location! Freshly painted with brand-new carpet, newer appl...
- 2 Beds
- 2 Baths
- 2560756 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Rarely does a property come along that offers the perfect blend of luxury living, business flexibility, and unbeatable location — but welcome to 1418 Market Street in the...
- 2 Beds
- 3 Baths
- 2560333 MLS
- ACTIVE Status
Listing courtesy of Windermere Bellevue Commons.
Breathtaking views of Lake Washington throughout the home and nestled in the coveted Holmes Point neighborhood. Located within the highly acclaimed Lake Washington School...
- 7 Beds
- 4 Baths
- 2559856 MLS
- ACTIVE Status
Listing courtesy of Venture Real Estate Group LLC.
Exceptional One Level Living in 11-acre park-like setting, minutes from the Kirkland Waterfront and urban attractions, while the return home culminates at a place of peac...
- 2 Beds
- 2 Baths
- 2560488 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Tucked behind decades of loving landscape, is a rare opportunity to live life in South Rose Hill. Invest, rebuild or remodel, the choice of opportunities abound. This 3...
- 4 Beds
- 3 Baths
- 2556871 MLS
- ACTIVE Status
Listing courtesy of Marketplace Sotheby's Intl Rty.
Location is everything, and this fabulous two-story townhome is ideally positioned for a commute-friendly lifestyle while still being just minutes from the beach, transit...
- 2 Beds
- 3 Baths
- 2560305 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Welcome home to this charming single-story home tucked on a quiet cul-de-sac in the heart of Juanita! You will love the unbeatable location — close to Juanita Beach Park ...
- 3 Beds
- 1 Baths
- 2559081 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Kirkland remarks: Experience refined condominium living in the heart of Kirkland with this spacious 2,000+ square-foot residence designed for effortless everyday living a...
- 2 Beds
- 3 Baths
- 2559475 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Completely reimagined NW Contemporary on a sunny corner lot in Kirkland's Charlotte Gardens! A full interior remodel delivers designer finishes throughout: all-new kitche...
- 4 Beds
- 3 Baths
- 2559889 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Nestled in the highly sought-after Rose Hill neighborhood, this brand-new 3-bedroom DADU offers 1,310 sq ft of thoughtfully designed living with exceptional versatility. ...
- 3 Beds
- 3 Baths
- 2560072 MLS
- ACTIVE Status
Listing courtesy of Realty One Group Pacifica.
Elevated above one of Kirkland's most sought out neighborhoods, this inviting NW Contemporary was intentionally designed to embrace its setting, with glimpses of Mt. Rain...
- 5 Beds
- 5 Baths
- 2556092 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Exceptional One Level Living in 11-acre park-like setting, minutes from the Kirkland Waterfront and urban attractions, while the return home culminates at a place of peac...
- 2 Beds
- 2 Baths
- 2559198 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Two homes, one exceptional Juanita opportunity. Set behind a mature, layered garden, this tastefully updated tri-level home is paired with a fully permitted, detached ADU...
- 3 Beds
- 2 Baths
- 2559534 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
Welcome to Vista Forbes, where comfort, convenience, and location come together in one of Kirkland's most desirable communities. This beautifully maintained 3-bedroom, 2....
- 3 Beds
- 3 Baths
- 2560053 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Welcome home to this stunning Merit Homes masterpiece in the heart of sought-after North Rose Hill, where timeless design meets everyday comfort. Perfectly positioned jus...
- 4 Beds
- 3 Baths
- 2556824 MLS
- ACTIVE Status
Listing courtesy of Redfin.
This beautiful, natural light-filled 4-bedroom home backs to open space for added privacy and is tucked away in a quiet cul-de-sac. As you enter the open-concept floor pl...
- 4 Beds
- 3 Baths
- 2559659 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Danforth.
Welcome to this exceptional American Classic Homes residence in Kirkland’s desirable Wildridge community. Built in 2019 and situated on an expansive 11,000+ sq. ft. lot, ...
- 5 Beds
- 4 Baths
- 2558122 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
12531 81st Pl NE is a two-story Kirkland home set on a cul-de-sac lot. The kitchen includes a center island with counter seating and ample cabinetry, giving room to prep ...
- 1 Beds
- 1 Baths
- 2559979 MLS
- ACTIVE Status
Listing courtesy of Opendoor Brokerage, LLC.
A Provençal sanctuary where timeless European romance meets the heart of Kirkland. Set on an exceptionally rare level private .617 acre this custom Château-inspired estat...
- 3 Beds
- 3 Baths
- 2557805 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Stunning Lake Washington, Rainier, and Cascade Mountain views define this beautifully updated Juanita home. Offering 5 bedrooms, a versatile loft and 4.25 bathrooms, this...
- 5 Beds
- 5 Baths
- 2530914 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Meraki Homes proudly presents this exceptional new construction in the heart of Rose Hill, a rare opportunity to own a thoughtfully crafted luxury home offering 4,366 sq ...
- 5 Beds
- 5 Baths
- 2559849 MLS
- ACTIVE Status
Listing courtesy of Realty One Group Pacifica.
LOCATION + PRIVACY. Desired Waterford, gated and private END UNIT—this Waterford condo is priced to sell. Step outside your door through the secure gated entrance and yo...
- 1 Beds
- 1 Baths
- 2559657 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Get ready to fall in love with the ultimate Kirkland lifestyle! Living in this ground-floor, 2-bedroom condo puts the absolute best of the area right outside your front d...
- 2 Beds
- 2 Baths
- 2557519 MLS
- ACTIVE Status
Listing courtesy of Northwest Lifestyles.
Nestled in the highly sought-after Rose Hill neighborhood, this brand-new 3-bedroom DADU offers 1,310 sq ft of thoughtfully designed living with exceptional versatility. ...
- 3 Beds
- 3 Baths
- 2559843 MLS
- ACTIVE Status
Listing courtesy of Realty One Group Pacifica.
Meraki Homes proudly presents this exceptional new construction in the heart of Rose Hill, a rare opportunity to own a thoughtfully crafted luxury home offering 4,366 sq ...
- 5 Beds
- 5 Baths
- 2559793 MLS
- ACTIVE Status
Listing courtesy of Realty One Group Pacifica.
Prime location CamWest resale that showcases quality craftsmanship at every turn. Step inside to a light, open floor plan where soaring ceilings and rich architectural de...
- 4 Beds
- 3 Baths
- 2559096 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Welcome home to this rare Rose Hill find, where three primary suites, each with its own walk-in closet and private ensuite bath, offer the kind of flexibility every house...
- 3 Beds
- 3 Baths
- 2559617 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Location is everything, and this fabulous two-story townhome is ideally positioned for a commute-friendly lifestyle while still being just minutes from the beach, transit...
- 2 Beds
- 3 Baths
- 2559639 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Charming Kirkland Craftsman in an exceptional location, just blocks from downtown Kirkland, Kirkland Urban, shops, restaurants, parks, and the waterfront. The thoughtfull...
- 4 Beds
- 3 Baths
- 2558434 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Beautifully remodeled downtown Kirkland townhome with $250K+ in premium upgrades, steps from the Cross Kirkland Corridor Trail. Light-filled 3 bed, 3.5 bath with two spac...
- 3 Beds
- 4 Baths
- 2559670 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Eastside.
Tucked into Kirkland’s desirable Everest neighborhood, this thoughtfully updated home offers custom craftsmanship, everyday comfort, and peaceful in-city privacy. Backing...
- 3 Beds
- 3 Baths
- 2559482 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Gracefully positioned along a peaceful side street in the Highlands neighborhood, prized for its peaceful, friendly setting, well-maintained homes, lush green spaces, and...
- 4 Beds
- 3 Baths
- 2519268 MLS
- ACTIVE Status
Listing courtesy of WeLakeside.
Welcome to Vista Forbes, where comfort, convenience, and location come together in one of Kirkland's most desirable communities. This beautifully maintained 3-bedroom, 2....
- 3 Beds
- 3 Baths
- 2558884 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Experience comfort and flexibility in this updated and inviting split-entry home located in desirable Juanita. Filled with natural light, the upper level offers a warm an...
- 4 Beds
- 2 Baths
- 2558954 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
Discover timeless luxury and embrace yourself in upscale Kirkland living. This home offers an exceptional living experience with every detail meticulously designed for st...
- 5 Beds
- 4 Baths
- 2558423 MLS
- ACTIVE Status
Listing courtesy of John L. Scott Mukilteo.
Welcome to refined Northwest living in the heart of North Rose Hill. Beautifully remodeled home with an emphasis on comfort, style, and functionality, this exceptional ra...
- 3 Beds
- 2 Baths
- 2558647 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
No Rental Cap, Low HOA dues, No Special Assessments! Great investment opportunity! Retro-inspired townhome in the sought-after Forbes Creek neighborhood of Kirkland High...
- 3 Beds
- 3 Baths
- 2558634 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Discover modern comfort in this stunning 2017 Northwest Contemporary home located in Kirkland’s Meritage Ridge community. Designed for versatile living, the floor plan fe...
- 5 Beds
- 4 Baths
- 2559340 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Sweeping, west-facing views of Lake Washington, the Seattle skyline, and the Olympic Mountains define this chic luxury residence at The Villas at Carillon Point. Breathta...
- 1 Beds
- 2 Baths
- 2559364 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Azori presents a stunning transitional design in the sought after West of Market neighborhood. Ideally located on a dead end street. Intelligent floor plan: 2-story great...
- 5 Beds
- 5 Baths
- 2558795 MLS
- ACTIVE Status
Listing courtesy of Real Residential.
Amazing panoramic Lake View home by downtown Kirkland! This Modern & Exquisite designed home featured with welcoming entrance, sunlight filled main office, open and brigh...
- 5 Beds
- 6 Baths
- 2559289 MLS
- ACTIVE Status
Listing courtesy of Regency Realties LLC.
Beautifully remodeled downtown Kirkland townhome with $250K+ in premium upgrades, steps from the Cross Kirkland Corridor Trail. Light-filled 3 bed, 3.5 bath with two spac...
- 3 Beds
- 4 Baths
- 2558993 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Eastside.
Experience the best of Kirkland living in the heart of coveted Norkirk, where luxury meets lifestyle. Designed for effortless everyday living and elevated entertaining, t...
- 4 Beds
- 4 Baths
- 2557783 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Murray Franklyn presents this exceptional move-in ready five-bedroom residence, where timeless elegance meets thoughtful design, complete with a desirable main-floor gues...
- 5 Beds
- 5 Baths
- 2557303 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
A rare opportunity in Sablewood. Built by John Buchan Homes in 2015, this residence blends timeless architecture, contemporary design, and today's most desirable amenitie...
- 5 Beds
- 4 Baths
- 2557556 MLS
- ACTIVE Status
Listing courtesy of Windermere RE West Sound Inc..
Exquisite, elegantly crafted custom-designed 2,960 SF residence offers 3BRs & 2BAs on a beautifully curated 7,805 SF lot. Artistic masterpiece designed by acclaimed archi...
- 3 Beds
- 2 Baths
- 2558790 MLS
- ACTIVE Status
Listing courtesy of Windermere R.E. Northeast, Inc.
Tucked away on a quiet cul-de-sac in one of Kirkland’s most desirable neighborhoods, this charming circa-1978 home blends timeless character with fresh updates and endles...
- 4 Beds
- 3 Baths
- 2548263 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Rare opportunity in Kirkland's sought-after Finn Hill neighborhood! This classic tri-level home offers 3 bedrooms, a den, and 2.5 baths, providing the perfect opportunity...
- 3 Beds
- 3 Baths
- 2557552 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Eastside.
Rarely does a home combine so much natural light, privacy, and everyday functionality in one of Kirkland's most desirable locations. From the moment you step inside, the ...
- 4 Beds
- 4 Baths
- 2558911 MLS
- ACTIVE Status
Listing courtesy of Olympic View Realty.
North-facing new release thoughtfully designed for modern living in North Rose Hill. This NW farmhouse pairs timeless warmth with luxurious finishes and premium fixtures ...
- 5 Beds
- 4 Baths
- 2558986 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
A wonderful opportunity to own a move-in ready, 2-story home featuring 3 bedrooms and 1.5 baths, thoughtfully updated for comfort, style, and everyday convenience. The re...
- 3 Beds
- 2 Baths
- 2558187 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate Central.
Peaceful cul-de-sac living at its finest in the highly sought after Kirkland Highlands! Beautifully maintained standalone home offers the privacy of single-family living ...
- 3 Beds
- 2 Baths
- 2559253 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate Central.
Exceptional new luxury residence in one of Kirkland's most sought-after neighborhoods. Thoughtfully designed w/ 5,470 SF on a level 9,600 SF lot, this home blends timeles...
- 7 Beds
- 6 Baths
- 2556628 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
TIMELESS MEDITERRANEAN INSPIRED HOME BY THE LAKE: Set along Waverly Way, across from a beautifully maintained lakeside park, this impeccably architected Kirkland West of ...
- 3 Beds
- 3 Baths
- 2559107 MLS
- ACTIVE Status
Listing courtesy of RE/MAX Gateway.
Three decades of Pacific Northwest custom homebuilding by Stark Construction culminate in this Stunning Houghton residence — architecturally striking, and built to a stan...
- 5 Beds
- 5 Baths
- 2558522 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Beautiful 3-story townhome nestled in desirable Hillside Village in the heart of Juanita! Light-filled and open, this stylish residence offers generous living spaces, 2 s...
- 2 Beds
- 2 Baths
- 2558608 MLS
- ACTIVE Status
Listing courtesy of Real Broker LLC.
ONLY TWO HOMES REMAIN AT ELEMENT GROVE! A RARE OPPORTUNITY TO OWN NEW CONSTRUCTION IN THE HEART OF HOUGHTON! This collection of four newly built cottages is nestled momen...
- 3 Beds
- 3 Baths
- 2558902 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Timeless craftsmanship and modern luxury define this exquisitely updated Chaffey Homes residence in the coveted Portico at Finn Hill. Tucked away in a peaceful setting, t...
- 4 Beds
- 3 Baths
- 2557680 MLS
- ACTIVE Status
Listing courtesy of KW Everett.
Sophistication meets seamless living at Jade. Only 5-years young, this corner-end retreat offers the rare luxury of one-floor living at the garden level. Forget the eleva...
- 2 Beds
- 2 Baths
- 2550102 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Top floor end unit at Eagle Reach offering rare space and amenities not often found in Kirkland condos at this price. With 1,238 sq. ft., two bathrooms, A/C, and a gas st...
- 2 Beds
- 2 Baths
- 2558788 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Welcome to effortless waterfront living at Pebble Beach, ideally situated on the Boulevard in the heart of Kirkland. This beautifully appointed condominium offers a rare ...
- 1 Beds
- 1 Baths
- 2558906 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
This exceptionally built custom Craftsman home sits on a prominent corner lot in the highly desirable East of Market neighborhood. Thoughtful detailing is evident through...
- 6 Beds
- 4 Baths
- 2558725 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
The perfect blend of mid-century character and modern comfort, this beautifully updated home sits moments from nearly 600 acres of forested parkland at St. Edward, Big Fi...
- 5 Beds
- 3 Baths
- 2558142 MLS
- ACTIVE Status
Listing courtesy of KW Greater Seattle.
Top-floor tranquility meets urban convenience in this pristine 2-bedroom, 2-bathroom home at The Gallery. Spanning 988 square feet, this top-floor unit offers a private r...
- 2 Beds
- 2 Baths
- 2557792 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Experience waterfront living at its finest in this coveted Shorehouse penthouse Southwest corner end unit on the shores of Lake Washington. Bathed in natural light from i...
- 2 Beds
- 2 Baths
- 2558305 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
FHA Approved!! Tucked away at the very back of the community, this beautifully updated home offers a rare combination of privacy, convenience, and outdoor space. Set far ...
- 2 Beds
- 2 Baths
- 2558623 MLS
- ACTIVE Status
Listing courtesy of Windermere R.E. Northeast, Inc.
The ideal NW Craftsman, on a beautiful lot, with all the bells and whistles! Perfectly tucked away in the desirable Holmes Point neighborhood, this stunning & thoughtfull...
- 4 Beds
- 3 Baths
- 2558585 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Ideally located in the heart of downtown Kirkland, this stunning condo at Brezza offers the ultimate in convenience and secure, lock-and-leave living. Filled with natura...
- 2 Beds
- 2 Baths
- 2558530 MLS
- ACTIVE Status
Listing courtesy of Windermere Bellevue Commons.
Experience the Best of Kirkland. Tucked away on a quiet residential street just moments from downtown, this home delivers the rare trifecta every buyer dreams of: privacy...
- 4 Beds
- 3 Baths
- 2557615 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
FHA Approved!! Tucked away at the very back of the community, this beautifully updated home offers a rare combination of privacy, convenience, and outdoor space. Set far ...
- 2 Beds
- 2 Baths
- 2557521 MLS
- ACTIVE Status
Listing courtesy of Windermere R.E. Northeast, Inc.
PREMIER WALKABILITY paired with an expansive private backyard makes this East of Market residence an exceptional opportunity in one of Kirkland’s most sought-after neighb...
- 4 Beds
- 4 Baths
- 2558166 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Discover this charming 2-bed, 1.75-bath condo in Juanita. The living room flows seamlessly to a deck overlooking a tranquil creek—perfect for nature lovers. Formal dining...
- 2 Beds
- 2 Baths
- 2557405 MLS
- ACTIVE Status
Listing courtesy of RE/MAX Northwest.
Stunning NW Contemporary just steps from Downtown Kirkland, parks, beaches, and top dining. Enjoy breathtaking lake, mountain, and city views from this light-filled open ...
- 3 Beds
- 4 Baths
- 2558176 MLS
- ACTIVE Status
Listing courtesy of Bushnell Real Estate Solutions.
Welcome to this light-filled single family home in sought after Kirkland Highlands. Tastefully updated in 2026, the home features a stunning new kitchen, fully refreshed ...
- 3 Beds
- 2 Baths
- 2557705 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Sweeping western views of Lake Washington and the Olympic Mountains create an extraordinary backdrop for this rare one-level end residence, perfectly positioned directly ...
- 2 Beds
- 2 Baths
- 2557717 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Set on a desirable corner lot in Kirkland, this home offers 2,893 square feet of thoughtfully designed living space with 5 bedrooms and 2.75 baths, including a spacious b...
- 5 Beds
- 3 Baths
- 2556696 MLS
- ACTIVE Status
Listing courtesy of Windermere R.E. Northeast, Inc.
Experience true waterfront living in this rare top-floor condo perched directly over the sparkling waters of Lake Washington in Kirkland’s coveted Waterfront District. W...
- 1 Beds
- 1 Baths
- 2557429 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Perched high above Juanita Bay, this light-filled home offers spacious, thoughtfully designed interiors while capturing mountain and expansive territorial views. Tucked a...
- 4 Beds
- 4 Baths
- 2556326 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Welcome to 12414 NE 72nd Street, Kirkland, WA! Experience the pinnacle of sophisticated urban living in this stunning detached home, brought to life by the renowned Grang...
- 2 Beds
- 3 Baths
- 2555954 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Welcome to Pulte's sought-after Marinwood community! This beautifully designed 2-story home offers bright, open gathering spaces perfect for everyday living and effortles...
- 5 Beds
- 3 Baths
- 2556638 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
A $100,000 price adjustment! Located in the Holmes Point neighborhood. This is a rare opportunity to own this spacious and comfortable home that doesn't come around every...
- 5 Beds
- 4 Baths
- 2556810 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
North Facing, Exceptional Rose Hill location offering the perfect balance of peaceful living and unbeatable convenience. Nestled on a rare nearly ¾-acre creekside estate,...
- 4 Beds
- 3 Baths
- 2553871 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Excellent value for a striking new construction residence in the coveted East of Market community of Kirkland! Meticulously crafted by renowned local builder A+R Homes, t...
- 2 Beds
- 3 Baths
- 2556388 MLS
- ACTIVE Status
Listing courtesy of Windermere R.E. Northeast, Inc.
Introducing Kirkland’s latest luxury new construction residence in the coveted East of Market community. Meticulously crafted by renowned local builder A+R Homes, this si...
- 4 Beds
- 4 Baths
- 2556384 MLS
- ACTIVE Status
Listing courtesy of Windermere R.E. Northeast, Inc.
Enjoy views of Lake Washington and a stunning brand new remodel in this beautifully updated 2 bedroom, 1 bath home corner unit at Juanita Court. Expansive windows and a s...
- 2 Beds
- 1 Baths
- 2556630 MLS
- ACTIVE Status
Listing courtesy of Dynasty Realty, Inc..
Introducing the latest creation from premier Kirkland builder, Merit Homes, located in the coveted Rose Hill neighborhood. Indulge in the opulence of a well-appointed kit...
- 5 Beds
- 4 Baths
- 2555480 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Welcome to this light-filled townhouse in the highly sought-after Lochshire community on Forbes Creek. Offering 1,335 square feet of comfortable living space, this 2-bedr...
- 2 Beds
- 3 Baths
- 2556353 MLS
- ACTIVE Status
Listing courtesy of Providential Real Estate LLC.
Tucked into a quiet Kirkland neighborhood, this thoughtfully updated home blends timeless craftsmanship with exceptional indoor-outdoor living. Rich bamboo flooring, soar...
- 5 Beds
- 3 Baths
- 2556019 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
*** Recently remodeled with tons of upgrades. *** Enjoy Air Conditioning and newer: STUNNING kitchen, windows, siding, exterior paint, furnace, hot water heater & more. *...
- 3 Beds
- 2 Baths
- 2556503 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Peaceful cul-de-sac living at its finest in the highly sought after Kirkland Highlands! Beautifully maintained standalone home offers the privacy of single-family living ...
- 3 Beds
- 2 Baths
- 2553005 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate Central.
Tucked into Hazen Hills, a favorite Kirkland neighborhood, this inviting 1,540 sq ft home offers 3 bedrooms and 1.75 baths in a convenient location. Seller credit offered...
- 3 Beds
- 2 Baths
- 2556597 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Welcome to ISLA by GreenCity Homes, an exclusive boutique community of four thoughtfully designed modern cottages nestled in the heart of North Rose Hill. Blending contem...
- 3 Beds
- 3 Baths
- 2556539 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Stunning fully remodeled home sits on an extra large corner lot in the sought-after Heather Glen area of Finn Hill. Thoughtfully designed open layout with a new fully fen...
- 4 Beds
- 2 Baths
- 2555110 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Tucked away on a peaceful dead-end street in the coveted Marinwood community, this exceptional Pulte-built corner-lot home embodies refined Pacific Northwest living. Boas...
- 5 Beds
- 4 Baths
- 2555859 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Discover the perfect blend of privacy, comfort, and convenience in this beautifully updated corner residence at Kingsgate Terrace. Nestled within a quiet, boutique-style ...
- 2 Beds
- 1 Baths
- 2555939 MLS
- ACTIVE Status
Listing courtesy of RE/MAX Northwest.
Beautiful and thoughtful remodel of this sought after Chancellor floor plan in the coveted Kingsgate 3&4 Community of Kirkland. Perfect blend of comfort, style, and funct...
- 4 Beds
- 3 Baths
- 2555862 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
Meticulously maintained Craftsman nestled in a small, close-knit Rose Hill community! Built with enduring quality - detailed millwork, high ceilings, and hardwood floors ...
- 4 Beds
- 3 Baths
- 2555992 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Realty Bothell.
Move right into this bright and inviting end-unit 3-bedroom, 1.75-bath condo featuring abundant natural light and a functional, easy-living floor plan designed for both e...
- 3 Beds
- 2 Baths
- 2555665 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Welcome to this beautiful condo in the heart of Downtown Kirkland, just one block from the shores of Lake Washington! This bright and inviting home features an open floor...
- 1 Beds
- 1 Baths
- 2555406 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Your search ends here! Welcome to this fully reimagined home with $300k+ in premium upgrades, perfectly situated on a quiet cul-de-sac in a highly desirable Kirkland neig...
- 4 Beds
- 3 Baths
- 2555733 MLS
- ACTIVE Status
Listing courtesy of Kelly Right RE of Seattle LLC.
Originally envisioned by renowned builder Steve Jensen as a showcase residence in Solus at the Highlands, this exceptional home blends timeless architecture with professi...
- 4 Beds
- 3 Baths
- 2555856 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate Central.
Experience effortless waterfront living in this tastefully and thoughtfully updated condo overlooking the sparkling waters of Lake Washington at Juanita Beach. Perfectly ...
- 2 Beds
- 2 Baths
- 2555730 MLS
- ACTIVE Status
Listing courtesy of Redfin.
INCREDIBLE LOCATION! Tucked away in the sought-after Woodside Terrace community, this private 1-bedroom condo offers the perfect blend of tranquility, convenience, and in...
- 1 Beds
- 1 Baths
- 2553603 MLS
- ACTIVE Status
Listing courtesy of Windermere RE North, Inc..
Skip months of planning & move closer to construction with this exceptional Kirkland development opportunity. Included are architectural plans & a permit package in the f...
- 2 Beds
- 1 Baths
- 2553695 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Exceptional Renovated High-Tech Retreat on 1/4 acre property in desirable Rose Hill Community in Kirkland where modern comfort meets sustainable living! Beautifully updat...
- 4 Beds
- 3 Baths
- 2544525 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Experience contemporary Northwest style paired with timeless luxury in this stunning new construction home. The main level showcases a gourmet kitchen with a quartz islan...
- 4 Beds
- 4 Baths
- 2555955 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate Co..
Beautifully updated Kirkland rambler showcasing pride of ownership throughout. The remodeled kitchen features granite countertops, quality cabinetry, and ample workspace,...
- 3 Beds
- 2 Baths
- 2555474 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Beautifully maintained North Rose Hill home featuring a rare oversized 3-car garage, central A/C, and durable HardiePlank siding. Bright, inviting living spaces offer a c...
- 3 Beds
- 3 Baths
- 2554569 MLS
- ACTIVE Status
Listing courtesy of RADIUS PROPERTIES.
Steps from Kirkland Urban, this 2,660 square foot home offers 3 bedrooms & 3.25 baths in one of downtown Kirkland's most walkable locations, moments to restaurants, shops...
- 3 Beds
- 4 Baths
- 2554739 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Discover a private garden retreat in coveted Central Houghton. This beautifully maintained 4-bedroom, 2.5-bath home offers an inviting layout on a generous 8,550-square-f...
- 4 Beds
- 3 Baths
- 2554731 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
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
- 2554333 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate GH LLC.
Nestled on an ultra-private, lushly landscaped 23,925 sf parcel, this architectural sanctuary commands sweeping, unobstructed views of Lake Washington and Mt. Rainier. Wr...
- 4 Beds
- 3 Baths
- 2550233 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Welcome to this charming and bright mid-century modern rambler in the desirable Windsor Vista neighborhood. This 3-bedroom, 2-bath home features a stylish, open layout wi...
- 3 Beds
- 2 Baths
- 2540272 MLS
- ACTIVE Status
Listing courtesy of Kelly Right RE of Seattle LLC.
STUNNING NEW LUXURY REMODEL ~ Nestled on private wooded oasis between Totem Lake & Kingsgate, this 1,680sf open-concept tri-level boasts modern designer finishes with mov...
- 3 Beds
- 2 Baths
- 2555023 MLS
- ACTIVE Status
Listing courtesy of Upgrade Realty.
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.
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.
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.
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
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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.