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Set within The Highlands, 62 Madrona Lane offers over 2.5 acres with Puget Sound views and the opportunity to create a custom home on the community's last undeveloped lot...
- 2600493 MLS
- ACTIVE Status
Listing Broker: Dupont Realty & Property Mgmt; Keith Ruiz-Hopper; 253-468-3673; keithhruiz@me.com
Charming one-level home in beautiful Shoreline, situated on an expansive, fully fenced, level, shy 8,000 sq. ft. lot. Zoned MUR-70, offering exciting future development p...
- 2601982 MLS
- ACTIVE Status
Listing Broker: Coldwell Banker Danforth; Michael Good; 206-229-4940; mjgood1030@gmail.com
Location, location, location!!! In the the heart of Richmond Beach (Shoreline). Just several blocks to Richmond Beach Saltwater Park and even closer to Richmond Beach F...
- 2 Beds
- 2 Baths
- 2601634 MLS
- FIRST LOOK Status
Listing Broker: Windermere RE Greenwood; David S. Hynden; 206-778-7355; hynden@windermere.com
Privacy in the woods tucked away at the end of a quiet Shoreline cul de sac, this versatile home offers space, flexibility, and room to customize. Set on a generous quart...
- 5 Beds
- 2 Baths
- 2597825 MLS
- FIRST LOOK Status
Listing Broker: Keller Williams North Seattle; Mark Bensadon; 206-422-3515; markbensadon@gmail.com
Mid-Century Rambler with Mature Backyard Retreat on a Shoreline Corner Lot. Step into a private outdoor oasis with this 1966-built rambler in Shoreline. Set on a desirabl...
- 2 Beds
- 3 Baths
- 2600844 MLS
- ACTIVE Status
Listing Broker: John L. Scott Arlington; Sydney Strieck; 360-502-0445; sydneystrieck@johnlscott.com
Retro-cool mid-century design meets urban convenience in this Shoreline split-level, tucked on a quiet cul-de-sac in the coveted Ridgecrest neighborhood. Poised for its n...
- 3 Beds
- 3 Baths
- 2572825 MLS
- ACTIVE Status
Listing Broker: Windermere RE Magnolia; Colleen McCann; 206-510-6596; colleenmccann@windermere.com
Panoramic views of Puget Sound and the Olympic Mountains set the stage for this exceptional new construction home in Richmond Beach, with elevator access and generous spa...
- 7 Beds
- 9 Baths
- 2601075 MLS
- ACTIVE Status
Listing Broker: Real Residential; Steve Snider; 206-714-2404; stevesnider@realresidential.com
Embrace the Richmond Beach lifestyle in this thoughtfully reimagined home, where fresh, modern design meets extensive system upgrades and beautifully curated spaces. Step...
- 4 Beds
- 3 Baths
- 2600840 MLS
- ACTIVE Status
Listing Broker: Heaton Dainard, LLC; Megan Halter; 425-273-1078; Megan@HeatonDainard.com
Imagine turning onto one of the finest streets in the coveted Innis Arden community and arriving home through a garden bursting with a kaleidoscope of color and specimen ...
- 3 Beds
- 2 Baths
- 2600320 MLS
- ACTIVE Status
Listing Broker: Windermere R.E. Shoreline; Lella Norberg; 206-351-4749; lnorberg@windermere.com
Over $25k PRICE DROP! This 1,267 sq ft townhome is done. New floors, new Quartz counters, fresh paint, and heated tile in the upstairs bath that you’ll appreciate every s...
- 3 Beds
- 2 Baths
- 2597945 MLS
- ACTIVE Status
Listing Broker: COMPASS; Anjelina Moore; 406-750-8660; A.Moore@compass.com
Welcome to this Meticulously Maintained, Spacious, Light-filled & Updated 5-bedroom home in Richmond Beach! Designed with an Effortless, Circular floor plan made for Mo...
- 5 Beds
- 3 Baths
- 2599743 MLS
- ACTIVE Status
Listing Broker: KW Greater Seattle; Linda M. Williford; 206-399-3349; lindawilliford@kw.com
This home features 4 bedrooms, 2 full baths, bonus room and a 2-car garage. Nice quiet location just off Perkins Way.
- 4 Beds
- 2 Baths
- 2599272 MLS
- FIRST LOOK Status
Listing Broker: Windermere R E Mount Baker; Warren Farmer; 206-725-7255; warrenfarmer@windermere.com
Indulge in the pinnacle of new construction living in this exceptional Shoreline townhome, one of six residences in a highly sought-after development. Thoughtfully design...
- 3 Beds
- 3 Baths
- 2599507 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Jordan R. Malloch; 206-790-5097; jordanm@windermere.com
A Pacific Northwest gem, tucked away on a quiet cul-de-sac and shaped by Mid-Century style and natural beauty surrounding it. This one level home is filled with light and...
- 3 Beds
- 2 Baths
- 2598730 MLS
- ACTIVE Status
Listing Broker: Windermere R.E. Shoreline; Laura L. Kinzel; 206-947-6179; Laura@KinzelEidsonTeam.com
Gardener’s haven in desirable Shoreline and priced to sell! This charming 1947 home offers 2 beds, 1 bath and 1,000 sq ft on a generous 8,212 sq ft lot. A large picture w...
- 2 Beds
- 1 Baths
- 2598183 MLS
- ACTIVE Status
Listing Broker: KW Everett; Aaron Byrne; 425-212-2007; aaronpbyrne@kw.com
Come home to a front row view of Puget Sound majesty at this beautiful Richmond Beach contemporary home! Warm living and dining space, with cozy gas fireplace and flooded...
- 3 Beds
- 3 Baths
- 2599309 MLS
- ACTIVE Status
Listing Broker: Windermere R.E. Shoreline; Laura L. Kinzel; 206-947-6179; Laura@KinzelEidsonTeam.com
Come home to a front row view of Puget Sound majesty at this beautiful Richmond Beach contemporary home! Warm living and dining space, with cozy gas fireplace and flooded...
- 3 Beds
- 3 Baths
- 2598971 MLS
- ACTIVE Status
Listing Broker: Windermere R.E. Shoreline; Laura L. Kinzel; 206-947-6179; Laura@KinzelEidsonTeam.com
Welcome to peaceful Kuleanas Forest Hills Condominiums, located in the heart of Shoreline. This condo is move-in ready with fresh paint and new carpet, or bring your HGTV...
- 2 Beds
- 2 Baths
- 2597796 MLS
- ACTIVE Status
Listing Broker: SASH Realty; Brandon Tuttle; 425-923-4073; brandon@sashrealty.com
Charming updated three bedroom three bath home with new flooring, paint and kitchen appliances at the end of a quiet cul-de-sac. Bright open living room with vaulted ceil...
- 3 Beds
- 3 Baths
- 2598235 MLS
- ACTIVE Status
Listing Broker: Wilson Realty Exchange, Inc.; Charles A. Carosella; 206-715-2203; charlescarosella@gmail.com
Move-in-ready 2023 townhome in the 358 Degrees community in Shoreline's Westminster Triangle. 1,372 sq ft of multi-level living with 2 bedrooms, 2.25 baths, designer fini...
- 2 Beds
- 3 Baths
- 2598994 MLS
- ACTIVE Status
Listing Broker: Keller Williams Rlty Bellevue; Barb Pexa; 425-753-0230; Barb@BarbPexa.com
ONE HOME LEFT. Superior new construction! Light and bright throughout with 9' ceilings, intelligent design and superior finishes. Ground level includes separate living qu...
- 4 Beds
- 4 Baths
- 2598443 MLS
- ACTIVE Status
Listing Broker: Real Property Associates, Inc.; Doug Holman; 206-930-1733; doug@rpare.com
A bold Shoreline transformation where striking design meets everyday livability. The dramatic dark exterior is brought to life by warm cedar accents, creating unforgettab...
- 4 Beds
- 3 Baths
- 2597682 MLS
- ACTIVE Status
Listing Broker: Heaton Dainard, LLC; Renee Donovan; 206-579-5969; renee@heatondainard.com
ONE HOME LEFT. Superior new construction! Light and bright throughout with 9' ceilings, intelligent design and superior finishes. Ground level includes separate living qu...
- 4 Beds
- 4 Baths
- 2598215 MLS
- ACTIVE Status
Listing Broker: Real Property Associates, Inc.; Doug Holman; 206-930-1733; doug@rpare.com
Over $25k PRICE DROP! This 1,267 sq ft townhome is done. New floors, new Quartz counters, fresh paint, and heated tile in the upstairs bath that you’ll appreciate every s...
- 3 Beds
- 2 Baths
- 2597948 MLS
- ACTIVE Status
Listing Broker: COMPASS; Anjelina Moore; 406-750-8660; A.Moore@compass.com
Currently Teriyaki & sushi restaurant that has been 20+ years. Asset sale includes all furniture/Fixture/Equipment. Can be turned into any type of restaurant! Type 1 Ho...
- 2597935 MLS
- ACTIVE Status
Listing Broker: Top Agency; Tia Yeo; 253-307-2244; tia@realestate-tia.com
Some homes have a story to tell, and this one holds over 40 years of memories with the same owners. Nestled among mature trees in Shoreline's Richmond Highlands, this wes...
- 4 Beds
- 2 Baths
- 2597987 MLS
- ACTIVE Status
Listing Broker: John L. Scott, Inc; Christi Dahl; 253-230-8270; ChristiD@JohnLScott.com
Charming one-level home in beautiful Shoreline, situated on an expansive, fully fenced, level, shy 8,000 sq. ft. lot. Zoned MUR-70, offering exciting future development p...
- 3 Beds
- 1 Baths
- 2597570 MLS
- ACTIVE Status
Listing Broker: Coldwell Banker Danforth; Michael Good; 206-229-4940; mjgood1030@gmail.com
4 bedrooms, 3 baths, huge fenced yard, 2 car garage, spacious kitchen, dining room opening onto beautiful new deck overlooking large private yard, living room with firepl...
- 4 Beds
- 3 Baths
- 2597373 MLS
- ACTIVE Status
Listing Broker: RE/MAX Northwest; Ted E. Meenk; ; tedmeenk@remaxotl.com
Set in Shoreline’s vibrant North City area, this townhome lives larger than most—offering a rare, roomy feel that’s hard to find in today’s market. Natural light and an e...
- 4 Beds
- 3 Baths
- 2595845 MLS
- ACTIVE Status
Listing Broker: eXp Realty; Chandra Vennapusa; 630-487-6316; chandra_vennapusa@yahoo.com
Wonderful opportunity to own a rare gem just steps to the new light rail Shoreline South/148th station. MUR-70-Zoned Commercial. This well maintained 2 BR/1BA on 7,440 sq...
- 2 Beds
- 1 Baths
- 2596886 MLS
- ACTIVE Status
Listing Broker: The Doner Group; Kevin Morgan; 206-852-7042; kevmoman@gmail.com
Mid-Century Magic in Lake Forest Park! Room to spread out, space to create, and endless potential to make it your own. This spacious rambler welcomes you with vaulted cei...
- 3 Beds
- 2 Baths
- 2596045 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Caitlin Olsen; 206-960-3203; colsen@windermere.com
Presenting a completely upgraded rambler in the heart of Ridgecrest! Step inside to find fresh paint, new flooring, trim, and doors, and new insulation for year-round com...
- 3 Beds
- 2 Baths
- 2595543 MLS
- ACTIVE Status
Listing Broker: Coldwell Banker Bain; Christian Lalario; 425-602-4150; christian.lalario@cbrealty.com
Beautifully updated and effortlessly stylish, this stunning rambler offers the perfect blend of modern sophistication and everyday comfort! Step inside to discover an inv...
- 3 Beds
- 3 Baths
- 2596406 MLS
- ACTIVE Status
Listing Broker: Pellego, Inc.; Nikita Krivorak; 760-818-6914; nikita@cityhometeam.com
Nearly a half acre of land with a cute fixer in the heart of Shoreline's North City Neighborhood! Intriguing opportunity for those with the keen vision to create an appe...
- 2596580 MLS
- ACTIVE Status
Listing Broker: RE/MAX Metro Realty, Inc.; Marc Mignogna; 206-355-8863; marc.mignogna@gmail.com
Nearly a half acre of land with a cute fixer in the heart of Shoreline's North City Neighborhood! Intriguing opportunity for those with the keen vision to create an appe...
- 2 Beds
- 1 Baths
- 2596192 MLS
- ACTIVE Status
Listing Broker: RE/MAX Metro Realty, Inc.; Marc Mignogna; 206-355-8863; marc.mignogna@gmail.com
***$30,000 PRICE REDUCTION*** Large Level Lot, RV Parking or Building Potential w/ Income. Financing Options w/ Lower Interest Rate. Welcome to this charming Sh...
- 3 Beds
- 1 Baths
- 2596199 MLS
- ACTIVE Status
Listing Broker: Dream Real Estate Group; Juliet Beard; 206-715-5531; julietroxanne@gmail.com
Beautifully updated and full of charm, this 3-bedroom, 1-bath home offers 1,690 sq ft of comfortable living with plenty of space to spread out. Step inside to fresh paint...
- 3 Beds
- 2 Baths
- 2595671 MLS
- ACTIVE Status
Listing Broker: eXp Realty; Denis Lats; 206-306-3213; denatarealestate@gmail.com
Tucked away along a private driveway, this one-of-a-kind mid-century rambler blends timeless character with thoughtful updates. Completely remodeled in 2016 and lovingly ...
- 3 Beds
- 3 Baths
- 2595282 MLS
- ACTIVE Status
Listing Broker: Real Property Associates; Sarah Fester; 206-486-5734; sfester@rpare.com
Your own peaceful retreat in the heart of Shoreline! Freshly painted and meticulously maintained, this South facing, TOP-FLOOR CORNER Unit offers privacy, comfortable liv...
- 1 Beds
- 1 Baths
- 2595069 MLS
- ACTIVE Status
Listing Broker: RE/MAX Northwest; Laura M. Ford; 206-380-8700; laura@laura-ford.com
Nestled in the sought-after Richmond Beach community, this brand-new home presents an extraordinary value, showcasing the signature craftsmanship of a boutique local buil...
- 6 Beds
- 5 Baths
- 2595190 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Gunnar M. Hadley; 206-409-5846; ghadley@windermere.com
Now making its formal debut in sought after Richmond Beach. An exceptional new residence by a boutique local builder Aedifex Inc, showcasing refined craftsmanship, sophis...
- 6 Beds
- 5 Baths
- 2595162 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Gunnar M. Hadley; 206-409-5846; ghadley@windermere.com
Nice one level move in ready home sits up and back off the street with loads of parking along with a one car garage. Newer roof, electrical, insulation, flooring, counter...
- 4 Beds
- 2 Baths
- 2594428 MLS
- ACTIVE Status
Listing Broker: Wilson Realty Exchange, Inc.; Charles A. Carosella; 206-715-2203; charlescarosella@gmail.com
Discover contemporary sophistication in this beautifully appointed, Pulte-built townhome in the desirable 5 Degrees community. Ideally positioned in a quiet part of the c...
- 4 Beds
- 4 Baths
- 2595011 MLS
- ACTIVE Status
Listing Broker: Kelly Right RE of Seattle LLC; Lei Huang; 206-384-6602; yoyoxilei@gmail.com
Exceptional condition, incredible versatility, and a location that makes everyday living effortless. Impeccably maintained and thoughtfully upgraded, this stylish 2-bedro...
- 2 Beds
- 3 Baths
- 2594708 MLS
- ACTIVE Status
Listing Broker: eXp Realty; Stacie Haworth; 425-750-9002; stacie@haworthconsulting.com
PRICE IMPROVEMENT! Exceptional location meets effortless living in this beautifully updated mid-century Shoreline rambler, tucked along a quiet dead-end street directly a...
- 3 Beds
- 2 Baths
- 2594333 MLS
- ACTIVE Status
Listing Broker: Windermere RE North, Inc.; Jill Langer; 425-772-3783; jilllanger@windermere.com
RARE FIND IN NORTHRIDGE VILLAGE! Discover the perfect blend of comfort, flexibility, and convenience in this spacious 2-bedroom, 2-bath condo with a versatile bonus room ...
- 2 Beds
- 2 Baths
- 2595067 MLS
- ACTIVE Status
Listing Broker: Keller Williams Rlty Bellevue; MJ Chen; 808-203-3689; aca0630@gmail.com
Welcome to this beautiful, level-entry townhome-style residence with a 2-car attached garage in the sought-after Kuleana Forest Hills community. Filled with natural light...
- 2 Beds
- 2 Baths
- 2594625 MLS
- ACTIVE Status
Listing Broker: Windermere R.E. Shoreline; Davinder Rai; 206-387-5138; davinder@windermere.com
NEW LOWER PRICE & $15,000 SELLER CREDIT towards closing costs or rate buydown! Charming 3BR Northwest Classic on a 7,000 SQ FT Corner Lot! Bring your finishing touches to...
- 3 Beds
- 2 Baths
- 2594897 MLS
- ACTIVE Status
Listing Broker: FIRST AND MAIN; John Gregory Franklin; 425-320-6684; john@shellyvalentine.com
Welcome to Salsby by the Sea, an intimate 12-home enclave alongside a natural running creek which you own, where breathtaking Puget Sound and mountain views take center s...
- 5 Beds
- 4 Baths
- 2592753 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate GH LLC; Adam E. Cobb; 206-854-9454; adamcobb@windermere.com
Located in Richmond Beach, this fully renovated 3-bed home blends bold design with bright, refreshed interiors in a private setting surrounded by mature greenery. Thought...
- 3 Beds
- 3 Baths
- 2594415 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate GH LLC; Adam E. Cobb; 206-854-9454; adamcobb@windermere.com
Tucked into a lovely residential pocket off Greenwood, this charming home offers an excellent layout with plenty of opportunity to personalize and make it your own. A fro...
- 6 Beds
- 3 Baths
- 2591204 MLS
- ACTIVE Status
Listing Broker: COMPASS; Bob Bennion; 206-650-0458; bob.bennion@compass.com
"EXCELLENT LOCATION + $23,000 ASSIGNED PARKING SPACE INCLUDED! $10,000 from Seller for Rate Buy-Down. Your own designated space in the secure underground garage is close ...
- 2 Beds
- 2 Baths
- 2593684 MLS
- ACTIVE Status
Listing Broker: Skyline Properties, Inc.; Mike Streng; 206-898-0877; mike@mikestreng.com
A little Shoreline gem with plenty of room to make it your own! Tucked along a private community road, this 1948 rambler offers an opportunity to bring fresh ideas & new ...
- 2 Beds
- 1 Baths
- 2593555 MLS
- ACTIVE Status
Listing Broker: Windermere R.E. Shoreline; Andrew Macgillivray; 425-931-7602; Andrew.macgillivray@Windermere.com
Welcome Home to single-level elegance in one of Western Washington's premier communities! This classic 5-bedroom, 2.5-bathroom rambler offers an incredible opportunity to...
- 5 Beds
- 3 Baths
- 2593155 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate GH LLC; Edward P Wendling; 206-276-6846; ewendling@windermere.com
4.99% SELLER FINANCING. New construction modern luxury in Shoreline with stunning water views! This 3,688 SF architectural masterpiece sits on an expansive 8,280 SF lot,...
- 5 Beds
- 3 Baths
- 2593012 MLS
- ACTIVE Status
Listing Broker: HomeSmart Real Estate Assoc; Jay Ellingson; 206-523-7653; jay@hsbroker.com
Experience the best of Richmond Beach living in this inviting 3-bedroom, 2.25-bath townhome in Richmond Beach West, a gated 55+ community surrounded by beautifully mainta...
- 3 Beds
- 3 Baths
- 2592978 MLS
- ACTIVE Status
Listing Broker: eXp Realty; Aaron Patrick Wilder; 206-300-7409; aaron@livinginseattlepnw.com
Possibility awaits just 11 miles from downtown Seattle, about 34 minutes in normal traffic. Build sweat equity and restore this charming 1940s home, or build new! This 2-...
- 2 Beds
- 1 Baths
- 2591651 MLS
- ACTIVE Status
Listing Broker: Keller Williams Yakima Valley; Cami Leonard; 509-949-2192; camileonard@hotmail.com
Timeless Charm Meets Modern Design! Discover this distinctive Lovell-built home, where classic NW architecture meets beautifully updated interiors. Thoughtfully refreshed...
- 4 Beds
- 1 Baths
- 2592827 MLS
- ACTIVE Status
Listing Broker: RE/MAX Northwest; Laura M. Ford; 206-380-8700; laura@laura-ford.com
Beautifully reimagined in 2026, this Meridian Park Craftsman offers 5 beds + Office, 3 baths and 2,917 SF on an 11,044 SF lot. Nearly every surface has been updated! A dr...
- 5 Beds
- 3 Baths
- 2591958 MLS
- ACTIVE Status
Listing Broker: KW Everett; Joe Platz; 425-212-2007; JoePlatz@kw.com
This is a true project property offering an opportunity for the buyer who can see beyond what’s here today and imagine what could be next. The existing 2-bedroom, 1-bath ...
- 2 Beds
- 1 Baths
- 2590353 MLS
- ACTIVE Status
Listing Broker: Keller Williams North Seattle; Mark Bensadon; 206-422-3515; markbensadon@gmail.com
Affordable, spacious Shoreline 2 story with character. This 4 bedroom, 1.75 bathroom, 2490 s.f. 2 story includes a primary suite plus a mega bonus room upstairs. Consider...
- 4 Beds
- 2 Baths
- 2591594 MLS
- ACTIVE Status
Listing Broker: Windermere R.E. Northeast, Inc; Ronald Ball; 206-818-1851; rball@windermere.com
RIDGELINE by Terrene Homes-Now Selling! Experience RIDGELINE, a new 64-home community by one of Washington's most respected builders. Each residence showcases Terrene's s...
- 3 Beds
- 3 Baths
- 2591970 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Randy D. Ginn; 425-417-3515; randy@nwbuilders.net
For a limited time, take advantage of Builder Financing — First-Year Interest Rate starting at 4.5% on OAC on select homes*. Experience RIDGELINE by Terrene Homes, an exc...
- 3 Beds
- 3 Baths
- 2591510 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Randy D. Ginn; 425-417-3515; randy@nwbuilders.net
Floor plan features large bedroom, den, two baths, fireplace, deck. Newer stainless appliances, flooring and paint. Granite countertops. Just steps to Richmond Beach Salt...
- 1 Beds
- 2 Baths
- 2590709 MLS
- ACTIVE Status
Listing Broker: Windermere RE Greenwood; David S. Hynden; 206-778-7355; hynden@windermere.com
Expansive, Open Floor Plan Welcome you to this incredible Makenna Place Community. Intimate, Impeccable Condition, Secure, and Extremely Well Managed. 2 large bedrooms, 2...
- 2 Beds
- 2 Baths
- 2590055 MLS
- ACTIVE Status
Listing Broker: Windermere RE Greenwood; Kurtis Sellers; 206-930-3043; ksellers@windermere.com
Exceptional Mid-Century residence in coveted Innis Arden with iconic Northwest architecture and breathtaking Puget Sound and Olympic Mountain views. The main level featur...
- 5 Beds
- 4 Baths
- 2579009 MLS
- ACTIVE Status
Listing Broker: Windermere RE Greenwood; Brooke Barnes; 206-527-5250; brookebarnes@windermere.com
Welcome home to the heart of Shoreline! This inviting 5-bedroom, 4-bathroom home combines generous space, thoughtful updates, and everyday convenience. Enjoy fresh paint...
- 5 Beds
- 4 Baths
- 2587602 MLS
- ACTIVE Status
Listing Broker: MY International Real Estate; Gia Guo; 206-310-5527; gia@myirealestate.com
Some homes are stunning. Very few are unforgettable. This is the rare combination of both. Entirely new,yet designed with the warmth and architectural soul of a classic m...
- 4 Beds
- 4 Baths
- 2590022 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Ky Reichle; 425-822-5100; kyreichle@hotmail.com
Spacious updated Shoreline condo with excellent flow. A true entry opens to a bright living room with wood-burning fireplace, formal dining, and a bonus sunroom not inclu...
- 2 Beds
- 2 Baths
- 2587422 MLS
- ACTIVE Status
Listing Broker: COMPASS; Andrei Balta; 206-556-1151; andrei.balta@compass.com
Nestled among mature trees, this inviting 2-bedroom, 2-bath Lake Forest Park condo offers spacious rooms and distinctive architectural details. A stone-surround wood-burn...
- 2 Beds
- 2 Baths
- 2590195 MLS
- ACTIVE Status
Listing Broker: eXp Realty; Chris Gurnee; 206-949-0864; chris@chrisgurneeteam.com
Well-maintained, one-level Richmond Beach living with a 2-car garage! Spacious and light-filled, this 1,520 sq. ft. single-level condo offers 2 bedrooms and 1.75 bathroom...
- 2 Beds
- 2 Baths
- 2589620 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate GH LLC; Adam E. Cobb; 206-854-9454; adamcobb@windermere.com
Rare opportunity to build in Shoreline’s Richmond Beach area. This .334-acre/14,561 sq ft residential lot offers a private, lightly treed setting at the end of a paved de...
- 2589537 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate GH LLC; Adam E. Cobb; 206-854-9454; adamcobb@windermere.com
Rare opportunity to build in Shoreline’s desirable Richmond Beach community. This 12,460 sq ft residential lot offers a secluded setting on a dead-end street surrounded b...
- 2589498 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate GH LLC; Adam E. Cobb; 206-854-9454; adamcobb@windermere.com
Builders, Investors! Shovel ready 4 pack lot available for sale - includes transfer of permits by Vandervort architects for 2xSFR and 2x Townhomes. Unit 1 is a detached 1...
- 2 Beds
- 1 Baths
- 2571938 MLS
- ACTIVE Status
Listing Broker: Pellego, Inc.; Eva Xia; 267-515-9838; eva@pellego.com
Step inside this beautiful, renovated home featuring natural light, an open-concept layout, and cozy fireplace, perfect for gatherings, low maintenance back yard and if y...
- 5 Beds
- 3 Baths
- 2589545 MLS
- ACTIVE Status
Listing Broker: Kelly Right RE of Seattle LLC; Linda S Bejarano; 206-852-5263; bejaranorealestatellc@gmail.com
3-bedroom charmer has a fresh look! New kitchen appliances with fresh paint throughout the home. This 1.5-story 3-bedroom home has been recently refreshed to create a bri...
- 3 Beds
- 1 Baths
- 2588649 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Central; Heidi Braund; 206-200-4650; heidib@windermere.com
Built in 2020, freshly painted and completely move-in ready, this 3-bedroom, 3.25-bath Shoreline home pairs newer construction with an incredibly convenient location, and...
- 3 Beds
- 3 Baths
- 2588484 MLS
- ACTIVE Status
Listing Broker: KW Everett; Dani Robinett; 425-299-9603; danirobinett@gmail.com
Nicely updated, well maintained town home located in the Urban Trail Town Homes community. A sweet 20 home enclave, on a private lane, amidst the thriving urban Seattle/...
- 2 Beds
- 1 Baths
- 2588251 MLS
- ACTIVE Status
Listing Broker: Realogics Sotheby's Int'l Rlty; Ev Winningham; 425-765-8889; ev@winninghamking.com
Charming Shoreline south-facing 3-bedroom/1.5-bath home flooded with natural light! Featuring a detached garage with 1 bed, kitchen and bath. This property sits on a spac...
- 3 Beds
- 2 Baths
- 2588047 MLS
- ACTIVE Status
Listing Broker: Keller Williams Realty Bothell; C J SINGH Khurana; 206-295-5993; REALTY.CJS@GMAIL.COM
Beautifully finished new construction! Come see this 4-bedroom, 2.75-bath, 2,711 s.f. home with spacious bonus room and modern finishes throughout. The main floor featur...
- 4 Beds
- 3 Baths
- 2587989 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/M2, LLC; Mark Kirshner; 425-737-4663; markkirshner@windermere.com
MERIDIAN PARK! Split-level home on a quiet cul-de-sac shared by just six homes. Approx. 1,940 SF with 4 bedrooms, 2.25 baths, attached 2 car garage includes workbench/sto...
- 4 Beds
- 3 Baths
- 2587298 MLS
- ACTIVE Status
Listing Broker: Windermere RE Greenwood; Jen Post; 206-468-4118; jenpost@windermere.com
Nicely updated, well maintained town home located in the Urban Trail Town Homes community. A sweet 20 home enclave, on a private lane, amidst the thriving urban Seattle/...
- 2 Beds
- 1 Baths
- 2587610 MLS
- ACTIVE Status
Listing Broker: Realogics Sotheby's Int'l Rlty; Ev Winningham; 425-765-8889; ev@winninghamking.com
Offered at $624,997, this two-bedroom Shoreline home has a rare oversized three-car garage/shop and an 8,100-square-foot lot. The formal living room features a beautiful ...
- 3 Beds
- 1 Baths
- 2587547 MLS
- ACTIVE Status
Listing Broker: RE/MAX Equity Group; Lorna Murray; 503-680-1221; LornaMurrayHomes@icloud.com
A rare Richmond Beach retreat, this beautifully updated midcentury home is set well back on an extraordinary half-acre surrounded by towering evergreens and thoughtfully ...
- 4 Beds
- 3 Baths
- 2587666 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate Co.; Leah Hill; 206-852-7634; leahhill@windermere.com
"EXCELLENT LOCATION + $23,000 ASSIGNED PARKING SPACE INCLUDED! $10,000 from Seller for Rate Buy-Down. Your own designated space in the secure underground garage is close ...
- 2 Beds
- 2 Baths
- 2582623 MLS
- ACTIVE Status
Listing Broker: Skyline Properties, Inc.; Mike Streng; 206-898-0877; mike@mikestreng.com
Reduced Price! Lovely Shoreline split level home, conveniently situated near Lake Forest Park, Ballinger & everything Shoreline. Set back from the road with mature landsc...
- 4 Beds
- 3 Baths
- 2583608 MLS
- ACTIVE Status
Listing Broker: North City Properties, LLC; Julie Johnston; 206-349-8923; northcitypropertygroup@gmail.com
VALUE IN LAND – RENOVATE & FLIP OR REDEVELOP! Exceptional opportunity for builders, developers, flippers, and investors in the heart of Shoreline. Situated on a nearly 1/...
- 1 Beds
- 1 Baths
- 2586280 MLS
- ACTIVE Status
Listing Broker: Skyline Properties, Inc.; Melody Jin; 425-974-5897; melodyjin88@gmail.com
Assumable 4.25% VA Mortgage. Welcome to this Ridgecrest neighborhood gem in the heart of Shoreline! Offering over 1,600 square feet with four bedrooms, this home is full ...
- 4 Beds
- 1 Baths
- 2585301 MLS
- ACTIVE Status
Listing Broker: COMPASS; Michelle Kinssies; 206-446-6560; michelle.kinssies@compass.com
Second-owner Shoreline rambler — first time on the market in 68 years! Mid-century ease and authenticity on an oversized 10,142 sq ft flat corner lot (~199' of frontage) ...
- 3 Beds
- 1 Baths
- 2585260 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Skylar Agnew; 206-335-9537; skylar@windermere.com
Experience bright, modern living in this corner ground-floor 2-bedroom, 1.75-bath home in a convenient Shoreline location. Large windows fill the open-concept living and ...
- 2 Beds
- 2 Baths
- 2584472 MLS
- ACTIVE Status
Listing Broker: Redfin; Brian Richards; 206-399-5194; brian.richards@redfin.com
Endless sunsets & 180º Sound views, perched on the bluff above Richmond Beach this 5-bed coastal Cape Cod stunner offers the pinnacle of luxurious private living. Panoram...
- 5 Beds
- 5 Baths
- 2583690 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate GH LLC; Adam E. Cobb; 206-854-9454; adamcobb@windermere.com
Location, location, location! In desirable Richmond Beach, Shoreline, surrounded by updated homes and beautiful views, this home lets you make it your own. The spacious l...
- 1 Beds
- 2 Baths
- 2580380 MLS
- ACTIVE Status
Listing Broker: Berkshire Hathaway HS NW; George T. Butterfield; 206-932-4500; GeorgeButterfield@bhhsnwre.com
Room to spread out in Shoreline. This 6-bedroom, 4-bath home offers roughly 2,190 sq ft of living space, plus an additional ~500 sq ft DADU — all on a generous quarter-ac...
- 6 Beds
- 4 Baths
- 2584727 MLS
- ACTIVE Status
Listing Broker: Keller Williams Realty Bothell; C J SINGH Khurana; 206-295-5993; REALTY.CJS@GMAIL.COM
Welcome to this beautifully maintained, Northwest Craftsman-style home on a quiet street in Shoreline's Hillwood neighborhood, close to the transit center, shopping, dini...
- 4 Beds
- 3 Baths
- 2584329 MLS
- ACTIVE Status
Listing Broker: KW Greater Seattle; Brad Davis; 866-766-7325; brad@justrealseattle.com
Now offered at $749,950. Tucked down a long private driveway, this inviting Shoreline home offers single-level living and exceptional storage on a beautifully landscaped,...
- 3 Beds
- 2 Baths
- 2580298 MLS
- ACTIVE Status
Listing Broker: Champions Real Estate; Michael R. Smith; 206-948-4027; Michael@LewisSmithTeam.com
Charming from the moment you arrive with its circle driveway, this adorable mid-century 1-story rambler is tucked among mature plantings in the desirable Richmond Highlan...
- 3 Beds
- 1 Baths
- 2583573 MLS
- ACTIVE Status
Listing Broker: Windermere RE North, Inc.; Jill Langer; 425-772-3783; jilllanger@windermere.com
DEVELOPMENT OPPORTUNITY IN SHORELINE! Located in an MUR-70 zoned area, this 5,706 SF property offers an exciting opportunity for builders, developers and investors. The e...
- 4 Beds
- 3 Baths
- 2584183 MLS
- PENDING - BACKUP OFFER REQUESTED Status
Listing Broker: Excel Properties; Anne Marie Kreidler; 206-941-3777; annemariek@excelrci.com
Absolutely THE BEST, MOST SWEEPING uninterrupted 180-degree view in Innis Arden...no cars cruising by in your view, no ravine trees blocking, just pure panorama. This pro...
- 5 Beds
- 3 Baths
- 2582331 MLS
- ACTIVE Status
Listing Broker: Windermere RE North, Inc.; Cori Whitaker; 206-795-4361; coriwhitaker@windermere.com
*Up to $6,700 in lender credits available.* Welcome to Shoreline! Situated on an oversized lot, this fully updated five-bedroom, two-bathroom residence offers thoughtfull...
- 5 Beds
- 2 Baths
- 2583259 MLS
- ACTIVE Status
Listing Broker: Real Residential; Tory Frol; 253-732-3549; tory@realresidential.com
Privacy and serenity sprawling over two legal tax parcels in the coveted Highlands community. This expanse from Highland Drive to Olympic is ready for your forever manse ...
- 2579318 MLS
- ACTIVE Status
Listing Broker: Real Residential; Nick Glant; 206-910-4221; nick@realresidential.com
Beautifully refreshed and thoughtfully maintained, this 3-bedroom, 2-bath Shoreline rambler offers a rare combination of space, convenience, and lifestyle. Recent improve...
- 3 Beds
- 2 Baths
- 2574568 MLS
- ACTIVE Status
Listing Broker: RE/MAX Elite; Vince M Grant; 425-483-4200; vgrant@remax.net
Welcome to effortless condo living in the heart of Shoreline. Recently updated & freshly painted this 2-bedroom condo sits in a vibrant, amenity-rich community. An inviti...
- 2 Beds
- 2 Baths
- 2583097 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/M2, LLC; Tyler Gardner; 425-327-4194; tylergardner@windermere.com
Mediterranean restaurant at busiest main corner of Shoreline. Quick Service Restaurant was Teriyaki. Great for smash burgers and fries. 6' type-1 hood. Trade name and rec...
- 2579817 MLS
- ACTIVE Status
Listing Broker: Skyline Properties, Inc.; Nathan Belo; 206-686-8989; nathan@licensetosell.com
Perched high above the street for maximum privacy, this sun-drenched 4BR/2.25BA Shoreline split-entry home features a massive, fully fenced backyard just 0.5 miles from t...
- 4 Beds
- 3 Baths
- 2578516 MLS
- ACTIVE Status
Listing Broker: Redfin; Joy Huang; 206-388-6902; joy.huang@redfin.com
This sunny 3-bedroom, 1 bath home rests on a sprawling 8,100 sq ft lot—zoned NR1—teeming with future potential. Recent updates include fresh paint, new carpets, some fenc...
- 3 Beds
- 1 Baths
- 2576822 MLS
- ACTIVE Status
Listing Broker: RE/MAX Northwest; Ann M. Babb-Nordling; 206-779-4404; Info@TriStarTeamRE.com
Charming Cape Cod in a prime Shoreline location, just minutes from Light Rail and walkable to 8 parks. The inviting main floor features a cozy living room with fireplace,...
- 4 Beds
- 2 Baths
- 2580829 MLS
- PENDING - BACKUP OFFER REQUESTED Status
Listing Broker: Windermere RE/Capitol Hill,Inc; Heather L. Dolin; 206-715-2073; hdolin@windermere.com
Attention Investors and Developers! Discover the possibilities at this spacious Highland Terrace home on a generous 1/4 acre corner lot. With 2,180 sq ft of living space....
- 3 Beds
- 3 Baths
- 2573086 MLS
- ACTIVE Status
Listing Broker: 1 Percent Lists Northwest; Jeff Dickinson; 206-852-9711; jeffdickinson55@gmail.com
Charming Cape Cod in a prime Shoreline location, just minutes from Light Rail and walkable to 8 parks. The inviting main floor features a cozy living room with fireplace,...
- 4 Beds
- 2 Baths
- 2577985 MLS
- PENDING - BACKUP OFFER REQUESTED Status
Listing Broker: Windermere RE/Capitol Hill,Inc; Heather L. Dolin; 206-715-2073; hdolin@windermere.com
Beautifully finished new construction! Come see this 4-bedroom, 2.75-bath, 2,711 s.f. home with spacious bonus room and modern finishes throughout. The main floor featur...
- 4 Beds
- 3 Baths
- 2576134 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/M2, LLC; Mark Kirshner; 425-338-0600; markkirshner@windermere.com
Built in 2020, freshly painted and completely move-in ready, this 3-bedroom, 3.25-bath Shoreline home pairs newer construction with an incredibly convenient location, and...
- 3 Beds
- 3 Baths
- 2579337 MLS
- ACTIVE Status
Listing Broker: KW Everett; Dani Robinett; 425-299-9603; danirobinett@gmail.com
Darling mid-century home that lives much larger than its square footage suggests! Tucked away at the end of a quiet street, this charming one-story home is filled with na...
- 4 Beds
- 1 Baths
- 2579057 MLS
- ACTIVE Status
Listing Broker: KW Greater Seattle; Sharon O'Mahony; 206-465-8169; sharon@omahonyhomes.com
Fantastic location, just minutes to major job centers, transit, light rail, shopping, schools, and several parks. Top floor unit with excellent floor plan including open ...
- 2 Beds
- 2 Baths
- 2579105 MLS
- ACTIVE Status
Listing Broker: John L. Scott, Inc.; Sam Mansour; 206-779-7713; samm@johnlscott.com
Wake up to peaceful, tree-lined lake views from this beautifully refreshed end-unit at Echo Shores--one of the community’s most special homes, with direct access to the l...
- 2 Beds
- 2 Baths
- 2578790 MLS
- ACTIVE Status
Listing Broker: Keller Williams Eastside; Jordan Thompson; 509-990-4004; Jordanwthompson@kw.com
Move-in ready 1,405 sq. ft. home on an approximately 7,000 sq. ft. lot in a highly desirable Shoreline, North City area! Set back from the road, this home offers added pr...
- 3 Beds
- 1 Baths
- 2573901 MLS
- ACTIVE Status
Listing Broker: John L. Scott, Inc; Ramon H. Gutierrez; 253-852-9200; RamonG@johnlscott.com
An incredible home freshly painted from ceiling to walls. Walk into a completely remodeled home and enjoy a sleek, modern kitchen graced with new white quartz countertops...
- 2 Beds
- 2 Baths
- 2575775 MLS
- ACTIVE Status
Listing Broker: Windermere Real Estate/East; Tammy Yao; 650-288-8242; tammy@vestus.com
[CLASSIC SEATTLE CHARM meets PRIME LOCATION] in your 4 BEDROOM single story floor plan on a very quiet and desirable street and zoned for one of the top elementary school...
- 4 Beds
- 2 Baths
- 2575417 MLS
- ACTIVE Status
Listing Broker: John L. Scott Snohomish; Rio Ingram; 425-466-7365; rioingram@johnlscott.com
Welcome to one of seven new construction townhomes available for presale in a thoughtfully designed Shoreline community! Depending on construction stage, buyers may have ...
- 4 Beds
- 4 Baths
- 2575416 MLS
- ACTIVE Status
Listing Broker: Dalton Wade, Inc.; Michelle Reyes Xochihua; 425-625-7838; michrexo@gmail.com
Tucked behind the gates of The Highlands, 72 Olympic Drive — once known as Cedargrove — is a timeless Georgian Colonial estate where nature, privacy, and gathering come t...
- 6 Beds
- 9 Baths
- 2574512 MLS
- ACTIVE Status
Listing Broker: COMPASS; Ned Hosford; 206-617-3532; ned.hosford@compass.com
MAJOR PRICE REDUCTION — NOW $874,950! AND A $15,000 BUYER CREDIT!!! Take another look at this classic Shoreline home offering an exceptional combination of space, locati...
- 6 Beds
- 3 Baths
- 2573268 MLS
- ACTIVE Status
Listing Broker: The Preview Group; Ellen Marabeth Bruya; 206-909-1552; ellen@snohomishland.com
Rare opportunity to acquire a well-established Bar & Restaurant business in N. Seattle. This ±5,400 SF space sits at a busy signalized intersection surrounded by dense ap...
- 2572404 MLS
- ACTIVE Status
Listing Broker: WPI Real Estate Services, Inc.; Jianli Zhang; 206-696-0786; jenlihomes@gmail.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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Shoreline, WA Home Loans
Secure the right home loan in Shoreline, 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 Shoreline, 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 Shoreline, 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 Shoreline Home Purchase
Locking the best home loan rate in Shoreline, 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 Shoreline home.
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Secure the Best Home Loan in Shoreline, WA
Work with Shoreline’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 Shoreline real estate market.
Mortgage and Home Financing in Shoreline, WA
Shoreline, Washington blends coastal charm, tree-lined neighborhoods, and fast access to the greater Seattle area, making it a prime place to buy a home. Whether you are a first-time buyer looking for low down payment options or a move-up homeowner comparing jumbo and conventional financing, this guide explains how to navigate Shoreline mortgage rates, loan programs, refinancing strategies, and how to choose among mortgage lenders in Shoreline with confidence.
Why buyers are choosing Shoreline for home financing
Shoreline’s appeal is both lifestyle and logistics. With new light rail stations at 148th and 185th, quick connections to North Seattle and downtown, and proximity to waterfront pockets like Richmond Beach, the city offers the convenience many Seattle-area professionals want at a price point often more approachable than central Seattle neighborhoods. This combination supports a vibrant market for home loans in Shoreline and gives borrowers multiple ways to leverage competitive Shoreline mortgage rates.
- Commuter-friendly: Direct transit links and I-5 access to Seattle, Bellevue, and the broader Puget Sound region.
- Neighborhood variety: Single-family homes in Meridian Park and Hillwood, modern townhomes near light rail, and condos close to amenities.
- Strong fundamentals: High-performing schools, parks, and a steady buyer pool from nearby tech, healthcare, and aerospace corridors.
- Regional options: Quick hops to Lake Forest Park, Edmonds, Mountlake Terrace, and Lynnwood expand inventory and financing choices.
Because demand is durable, well-qualified borrowers who compare mortgage lenders in Shoreline and time their interest rate lock thoughtfully often capture strong long-term value.
Understanding Shoreline mortgage rates and the local market
Shoreline mortgage rates generally track national trends, which in turn reflect inflation, Federal Reserve policy, and investor appetite for mortgage-backed securities. Local supply and demand can influence pricing credits, lender competition, and closing timelines. It pays to watch regional data alongside national headlines, since North King County’s pace of transactions, appraisal turn times, and listing inventory can affect how fast you need to move and how lenders quote locks and pricing.
Smart shoppers for home loans in Shoreline will gather quotes from several mortgage lenders in Shoreline and Seattle, compare APRs and closing costs, and ask about rate lock lengths and float-down options. A small difference in points or pricing concessions can meaningfully impact your payment over the life of the loan.
Popular home loans in Shoreline: from low down payment to jumbo
Borrowers in Shoreline can choose from a wide range of loan programs tailored to different goals, property types, and price ranges across the Seattle metro. Below are commonly used options you can evaluate with local lenders.
- Conventional loans: Conforming fixed and adjustable rates backed by Fannie Mae or Freddie Mac; flexible for primary, second, and investment homes.
- FHA loans: Government-insured mortgages with lenient credit guidelines and low down payment options for many first-time buyers.
- VA loans: Zero-down financing for eligible military service members, veterans, and certain surviving spouses, often with no monthly mortgage insurance.
- Jumbo loans: For prices above the area’s conforming loan limit; tailored underwriting and rate structures for high-cost homes.
- Specialty options: Interest-only features, renovation loans, and physician or professional programs may be available through select mortgage lenders in Shoreline.
Your best fit depends on credit score, debt-to-income ratio, down payment, and property characteristics such as condo requirements or acreage. A seasoned loan officer can match your profile to the right program while monitoring current Shoreline mortgage rates.
First-time homebuyer programs serving Shoreline, WA
Shoreline sits within King County, where first-time buyers can tap state-supported resources. The Washington State Housing Finance Commission (WSHFC) partners with approved mortgage lenders in Shoreline to offer down payment assistance loans, affordable fixed-rate first mortgages, and required homebuyer education. Income limits, purchase price caps, and credit standards apply, but these programs can help bridge the gap between savings and closing.
- Down payment assistance: Deferred or low-interest subordinate loans that can cover a portion of your down payment and closing costs.
- Homebuyer education: A free or low-cost course usually required to access state programs; it clarifies budgeting, credit, and the full loan process.
- Targeted support: Certain programs may support teachers, first responders, borrowers with disabilities, or qualifying veterans.
- Local initiatives: Depending on funding cycles, county or city-based assistance may be available in the greater Seattle area—ask participating lenders for current options.
If you have not owned a home in the last three years, you may qualify as a first-time buyer under many definitions, which can unlock lower minimum down payments, reduced mortgage insurance, and more favorable pricing on home loans in Shoreline.
FHA loans in Shoreline: flexible entry points for buyers
FHA loans are popular in Shoreline because they accept lower credit scores, allow for gift funds, and can be paired with down payment assistance. The trade-offs are upfront and annual mortgage insurance premiums and property standards that require the home to be in safe, livable condition. If your goal is to minimize upfront cash while keeping monthly payments predictably fixed, FHA financing can be a strong contender at current Shoreline mortgage rates.
- Advantages: Lower credit threshold, competitive fixed rates, and non-occupant co-borrowers may be allowed.
- Considerations: Mortgage insurance applies regardless of down payment size, and certain condos require FHA approval.
Ask mortgage lenders in Shoreline to compare an FHA option against a low-down-payment conventional loan to see which produces the better overall cost and path to removing mortgage insurance in the future.
VA loans in Shoreline: zero-down strength for those who served
Eligible veterans, active-duty service members, and some surviving spouses can leverage VA loans to purchase a home in Shoreline with no down payment in many cases. VA financing typically features competitive rates, no monthly mortgage insurance, and flexible underwriting around residual income, which can be especially helpful in the Seattle area’s high-cost environment.
- Advantages: Zero-down potential, no monthly MI, and strong protections around appraisals and fees.
- Considerations: A one-time funding fee may apply unless exempt; VA property standards must be met.
Local expertise matters: choose mortgage lenders in Shoreline with proven VA experience to navigate appraisal timelines, condo approvals, and funding fee calculations.
Conventional and jumbo mortgages in Shoreline
Conventional loans work well for borrowers with strong credit, steady income, and the ability to hit standard down payment targets. First-time buyers can access 3% down options through programs such as HomeReady or Home Possible when eligible, while move-up buyers often select 5% to 20% down to optimize rate and mortgage insurance costs. For higher-priced homes commonly found in Shoreline and neighboring Edmonds or North Seattle, jumbo mortgages are available above the conforming loan limit set for the Seattle metro area.
- Conventional benefits: Broad property flexibility, options to cancel private mortgage insurance, and highly competitive pricing.
- Jumbo highlights: Tailored guidelines, interest-only structures at some lenders, and portfolio underwriting for complex income or significant assets.
- Key factor: Pricing and documentation standards vary widely among mortgage lenders in Shoreline for jumbo loans—shopping is essential.
A skilled lender will quote both conventional and jumbo scenarios when your price is near the local conforming threshold, ensuring you capture the most favorable combination of Shoreline mortgage rates and closing costs.
Refinancing in Shoreline: rate, term, and cash-out strategies
Refinancing can help you lower your payment, shorten your term, or access equity for renovations, debt consolidation, or investment. Rate-and-term refinances swap your existing loan for a new one at a different rate and/or term, while cash-out refinances provide funds from your equity at closing. In a rising-rate environment, homeowners sometimes consider home equity lines of credit (HELOCs) instead, preserving their existing first mortgage and drawing funds only as needed.
- Break-even math: Divide total refinance costs by the monthly savings to estimate how long until you recoup expenses.
- Term strategy: Switching from a 30-year to a 15- or 20-year can dramatically reduce overall interest paid while keeping payments manageable.
- Equity access: Cash-out refis and HELOCs fund projects like ADUs, energy upgrades, or kitchen remodels common in Shoreline’s mid-century homes.
Because Shoreline mortgage rates move with the broader market, set rate targets and ask lenders about no-cost or lender-credit options. Comparing two or three Loan Estimates from mortgage lenders in Shoreline will highlight the best combination of fees and rate.
How to qualify for home loans in Shoreline: preparation and pre-approval
Preparation improves pricing and reduces stress. Before you shop in the greater Seattle area, obtain a fully underwritten pre-approval so you can act decisively when the right property appears—especially near the new light rail stations where demand is brisk.
- Credit: Review reports for errors and optimize utilization on revolving accounts before applying.
- Income and assets: Organize W-2s or 1099s, recent pay stubs, bank statements, and retirement account summaries.
- Debt-to-income: Pay down revolving balances to improve ratios; avoid opening new credit before closing.
- Reserves: Lenders may require post-closing savings, especially for jumbo loans or multi-unit properties.
When interviewing mortgage lenders in Shoreline, ask about underwriting turn times, appraisal ordering, condo review experience, and whether they offer local processing and closing support—details that can make or break a competitive offer.
Fixed vs. adjustable rates in Shoreline
Fixed-rate mortgages provide payment stability and are popular for long-term homeowners. Adjustable-rate mortgages (ARMs) often start with a lower introductory rate and can make sense if you plan to move, refinance, or receive meaningful income increases within the fixed period. In Shoreline’s dynamic market, ARMs can bridge affordability near transit hubs or waterfront areas where prices are higher, but you should understand caps, margins, and worst-case payment scenarios.
- Fixed-rate fit: Buyers wanting predictability and a longer hold period.
- ARM fit: Buyers who expect to sell, refinance, or receive equity events before the adjustment period.
- Essential step: Model best- and worst-case outcomes with current Shoreline mortgage rates and potential future adjustments.
A thoughtful conversation with a loan officer can quantify the real savings (or risk) between fixed and ARM structures for your Shoreline purchase.
Condo and townhome financing in Shoreline
Condos near transit and amenities can offer value, but they come with additional lender reviews. Conventional loans evaluate the condo association’s budget, insurance, owner-occupancy, and litigation status. FHA and VA have separate approval pathways, which may limit options in certain buildings. Townhomes classified as “site condos” can also trigger extra documentation.
- Tip: Request the condo resale certificate, budget, and master insurance early so your lender can confirm eligibility.
- FHA/VA: Ask whether the building is approved or if a spot approval is feasible under current guidelines.
- Reserves matter: Strong association finances can improve lender confidence and appraisal support.
Experienced mortgage lenders in Shoreline and North Seattle will guide you through condo-specific nuances so your financing remains on track.
Closing costs, timelines, and Washington-specific nuances
Washington is an escrow state, so closings typically occur through a title and escrow company rather than an attorney. Plan for appraisal fees, title insurance, escrow charges, lender origination, recording, and prepaid taxes and insurance. You can negotiate seller credits in some scenarios to offset costs, especially if market conditions soften or the property has been listed longer.
- Typical timeline: Roughly 25–35 days for financed purchases, with faster closings possible for well-prepared borrowers.
- Rate locks: Match your lock to the expected timeline; ask about extensions and float-down opportunities.
- Insurance: Shop homeowner’s insurance early—premiums and coverage choices can affect your monthly payment.
To keep your loan on schedule, respond quickly to documentation requests and avoid major financial changes after pre-approval, such as large unexplained deposits or new credit accounts.
How to compare mortgage lenders in Shoreline
Not all lenders price or underwrite the same way. The best results often come from collecting two to three comparable quotes on the same day and looking beyond the headline rate to total costs, lock terms, and service reputation in the Seattle area.
- Request a written Loan Estimate from each lender for apples-to-apples comparison.
- Evaluate APR, discount points, lender credits, and third-party fees together—not in isolation.
- Assess service: Local processing, in-house underwriting, and strong communication can win offers in competitive Shoreline neighborhoods.
- Consider a broker: Mortgage brokers can shop multiple investors and may find niche products or better jumbo pricing.
Ask lenders how frequently they close on time in Shoreline, their average appraisal turn times, and whether they have condo, jumbo, and down payment assistance expertise under one roof.
Strategies to secure favorable Shoreline mortgage rates
Rate optimization is part art and part math. Focus on the variables you control—credit, debt, and down payment—then pick the right moment to lock.
- Boost credit: Pay down revolving balances, avoid late payments, and correct report errors before you apply.
- Lower DTI: Reduce debts or choose a slightly lower price point to access better pricing tiers.
- Right-size down payment: Crossing certain thresholds can reduce mortgage insurance or improve rate quotes.
- Consider points: Evaluate buying points if you expect to hold the loan long enough to break even.
Monitor market developments and work closely with mortgage lenders in Shoreline who can alert you to pricing improvements. When you see the combination of terms and Shoreline mortgage rates that meet your budget, be ready to lock quickly.
Neighborhood notes: fitting the loan to the location
Each Shoreline neighborhood tells a different financing story. Richmond Beach may feature view homes that nudge into jumbo territory. Areas around 148th and 185th stations draw buyers who value walkability and modern townhomes, sometimes making low-down conventional or FHA options attractive. Adjacent markets like Edmonds and Lake Forest Park offer similar dynamics with their own price bands and property types, making it worth comparing home loans in Shoreline with nearby cities if you’re flexible on location.
- Richmond Beach and Innis Arden: Consider jumbo or high-balance options, and watch appraisal comps for view premiums.
- Meridian Park, Hillwood, Ridgecrest: Family-friendly streets where conventional and FHA loans are common.
- North City and Ballinger: Townhomes and condos where condo review and HOA health matter to approvals.
Your lender’s local knowledge can anticipate appraisal data and underwriting nuances specific to each micro-market, improving certainty from pre-approval to closing.
Putting it all together: your Shoreline financing game plan
Success in Shoreline starts with clarity: define your monthly budget, target neighborhoods, and ideal timeline. Complete homebuyer education if you’ll use assistance, and secure a strong pre-approval from reputable mortgage lenders in Shoreline. Shop rates and fees, choose the loan program that best fits how long you’ll keep the home, and lock when Shoreline mortgage rates align with your goals.
- Get educated: Understand the trade-offs among FHA, VA, conventional, and jumbo loans.
- Be nimble: Have documents ready and respond quickly to lender requests.
- Think ahead: If you plan renovations or an ADU, discuss future refinance or equity strategies now.
- Stay local: Leverage professionals who close loans in Shoreline and the greater Seattle area every week.
With the right plan, home loans in Shoreline can position you to enjoy coastal parks, convenient commutes, and long-term equity growth. Competitive programs, knowledgeable local lenders, and steady demand combine to make this North King County city a standout place to finance your next home.
This guide is for general information only. Programs, eligibility, loan limits, and Shoreline mortgage rates change frequently. Always confirm details with licensed mortgage lenders in Shoreline or the Washington State Housing Finance Commission to ensure you have the most current options for your situation.
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Shoreline, WA Real Estate Market
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