Commercial
Hard Money / Bridge in Seattle, WA
Seattle is a city of 0.75 million people, and Custom Mortgage arranges Hard Money / Bridge loans there and elsewhere in King County, including Capitol Hill and Ballard. At $938,600, the median home value in Seattle runs 9% ahead of the King County figure of $859,900 (Census ACS 2020-2024 5-year). Only $125,150 separates that median from the 2026 conforming limit of $1,063,750, so a home a little above median can push the loan into jumbo size.
Households in Seattle earn a median $123,860 a year. Renters are the majority: just 44% of occupied homes are owner-occupied (55% countywide). The median home was built in 1976. For the renter majority, the benchmark is a median gross rent of $2,030 a month.
Hard Money / Bridge Highlights
- Competitive interest rates and flexible terms
- Streamlined application process with fast approvals
- Experienced loan officers dedicated to your success
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
King County at a glance
- Seattle median home value
- $938,600
- Source: Census ACS 5-year, Seattle city, Washington, 2020-2024
- Seattle median household income
- $123,860
- Source: Census ACS 5-year, Seattle city, Washington, 2020-2024
- Seattle owner-occupied homes
- 44%
- Source: Census ACS 5-year, Seattle city, Washington, 2020-2024
- Seattle median year built
- 1976
- Source: Census ACS 5-year, Seattle city, Washington, 2020-2024
- Conforming loan limit (1 unit)
- $1,063,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $2,045,700
- Source: FHFA, 2026
- Above the national baseline by
- $231,000
- Source: FHFA, 2026
- Median owner-occupied home value
- $859,900
- Source: Census ACS 5-year, 2024
- Median household income
- $124,746
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 55%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 6.9
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: KING
KING, WA is a designated high-cost area with limits above the national baseline of $832,750.
1-Unit (SFR)
$1,063,750
2-Unit (Duplex)
$1,361,800
3-Unit (Triplex)
$1,646,100
4-Unit (Fourplex)
$2,045,700
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Hard Money / Bridge in Seattle, WA
Seattle mortgage lending for King County. Jumbo and tech-worker programs for the Puget Sound.Custom Mortgage & Real Estate specializes in providing high-fidelity Hard Money / Bridge solutions tailored to the unique economic landscape of Seattle and the surrounding King County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSeattle metropolitan area.
Service Areas & Neighborhoods
Our Seattle Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
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Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Hard Money / Bridge in Seattle
Barely. The $938,600 median sits $125,150 under King County's $1,063,750 one-unit limit, so homes priced a bit above median in Seattle can need jumbo financing.
7.6 times the $123,860 median household income, steeper than the county's 6.9. Expect to need extra down payment or a co-borrower.
See all Hard Money / Bridge questions and program details
Hard Money / Bridge by Location
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
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