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Seattle financing, equity compensation included.
The Seattle market — and how we finance it.
Seattle's market is driven by a technology employment base where compensation routinely includes RSUs and bonuses that generic underwriting discounts or mishandles. Prices sit high enough that jumbo is common, and geography — water on both sides — keeps supply structurally constrained.
Technology professionals with equity-heavy compensation, move-up buyers in the established neighborhoods, and investors financing small multifamily and ADUs.
Licensed in Washington. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in Seattle.
Seattle mortgage questions.
Can RSUs count toward qualifying in Seattle?
Often yes, with the right documentation and the right lender. Vesting history and likely continuance both matter. We place these files with lenders who underwrite equity compensation properly rather than discounting it by default.
Do Seattle purchases need jumbo financing?
Frequently. Many King County transactions exceed the conforming limit, so jumbo is routine for us here — including programs from 10% down on select scenarios.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving Seattle, Washington and the surrounding market.
Buying or refinancing in Seattle?
Start a quick, no-pressure application and we'll map the right path for your Seattle purchase or refinance.