— ABOUT GREATER SEATTLE / PUGET SOUND LOANS

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— SEATTLE & EASTSIDE LUXURY MARKET

Seattle & Eastside Tech Industry & Luxury Financing

The Seattle metro and Eastside communities – encompassing Seattle, Bellevue, Mercer Island, Kirkland, and Redmond – represent Washington’s primary luxury and high-value real estate market. The concentration of Amazon, Microsoft, and technology sector employees has created one of the highest densities of high-income, complex-income borrowers in the country.

Key Seattle Metro & Eastside Communities

• Mercer Island – Seattle’s most exclusive island enclave, with waterfront estates and high-value residential properties commanding some of the region’s highest per-square-foot values. Jumbo and portfolio financing are the standard for Mercer Island’s upper tier.
• Medina – Ultra-luxury Eastside community with some of the highest residential values in Washington, historically home to some of the tech industry’s most recognized executives. Portfolio financing is frequently applicable at this level.
• Bellevue – The Eastside’s commercial and residential anchor, with a luxury high-rise condominium market downtown and established luxury neighborhoods including West Bellevue and Bridle Trails.
• Kirkland & Redmond – Established Eastside communities with strong primary residence and move-up markets, anchored by Microsoft’s Redmond headquarters and a growing waterfront luxury segment along Lake Washington.
• Seattle – Capitol Hill, Queen Anne, Madison Park – Seattle’s most desirable in-city neighborhoods, with luxury condominiums, established estate properties, and walkable urban character commanding premium values.

RSU & Tech Industry Income Qualification

King County has the highest concentration of RSU-compensated tech employees in the Pacific Northwest. Amazon, Microsoft, Google, Meta, and dozens of mid-stage technology companies compensate employees with restricted stock units, stock options, and performance bonuses that require specific documentation and underwriting approaches to use effectively in mortgage qualification. Our team structures financing for tech borrowers including RSU income documentation and vesting schedule analysis for Amazon and Microsoft employees, stock option and bonus income consideration in qualifying income calculations, self-employed tech founders using bank statement or asset-based qualification, dual-income tech households with complex combined income structures, and buyers using equity from company liquidity events to fund purchases.

→ Jumbo Loans
→ Portfolio Loans & Flexible Financing Solutions
→ Explore Non-QM Mortgage Programs

— NORTH PUGET SOUND & BELLINGHAM

The North Puget Sound corridor extends Washington’s primary real estate market north of Seattle through Everett, Mount Vernon, and Bellingham near the Canadian border – a region that offers Puget Sound access and Pacific Northwest lifestyle at more accessible price points than the Seattle-Bellevue core.

Everett & Snohomish County – Snohomish County shares King County’s elevated 2026 conforming loan limit of $1,063,750, reflecting the broader Seattle-Tacoma metro’s high home values. Everett serves as the county’s commercial anchor with a mix of primary residence and waterfront communities, while Snohomish County’s eastern reaches extend toward the Cascade foothills with a growing population of Seattle commuters seeking more space and value.

Bellingham – Washington’s northernmost significant city, anchored by Western Washington University and a growing technology and remote work population drawn by Bellingham Bay waterfront access, proximity to both Seattle and Vancouver, B.C., and a quality of life that has made it one of the Pacific Northwest’s most sought-after smaller cities. Bellingham’s real estate market spans primary residences, waterfront properties along Bellingham Bay, and a growing second-home market for buyers seeking Pacific Northwest coastal lifestyle without Seattle’s price premium.

Conventional, FHA, VA, and jumbo programs serve the diverse buyer base across the North Puget Sound corridor.

→ Jumbo Loans
→ VA Loans

— SAN JUAN & WHIDBEY ISLANDS

— WHY PACIFIC HOME LOANS

Tech Industry RSU Expertise – Specialized experience structuring RSU income, stock option compensation, and self-employed tech founder profiles for Amazon, Microsoft, and Seattle’s broader technology ecosystem.

Eastside Luxury Market Depth – Jumbo and portfolio programs for Mercer Island, Medina, and Bellevue’s most exclusive residential communities.

Island & Waterfront Specialists – Portfolio and DSCR programs for San Juan Islands, Whidbey Island, and Puget Sound waterfront property transactions.

North Puget Sound Coverage – Full-service financing across Everett, Snohomish County, and Bellingham’s growing primary residence and second-home markets.

In-House Portfolio Capital – In-house underwriting and portfolio capital for non-standard scenarios, complex income structures, and elevated loan amounts.

Licensed Across 10 States – Hawaii-headquartered with multi-state licensing, serving borrowers wherever their investment journey takes them.

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