Mortgage lender in Snohomish County, WA

Buying in Snohomish County

Snohomish County, with its county seat in Everett, also takes in Marysville, Lynnwood, Edmonds, Bothell, Lake Stevens and Mukilteo. Snohomish County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Washington, from our Southampton, PA office.

2026 conforming limit

$1,063,750 (high-cost area)

2026 FHA limit

$1,063,750 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

escrow and title company

State housing agency

Washington State Housing Finance Commission (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Snohomish County is designated a high-cost area for conforming loans, so its limit is above the national baseline of $832,750. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Snohomish County: north of Seattle

Many buyers come here for prices below King County’s while still commuting to Seattle or the Eastside. Lynnwood, Mountlake Terrace, Bothell and Mill Creek have many townhome and condominium communities, where association dues count in the payment and a condominium project is reviewed along with the buyer.

Naval Station Everett brings VA-eligible buyers, and aerospace manufacturing employs many others on hourly pay with overtime, which can count once there is a history of it. Marysville, Lake Stevens and Arlington have most of the new construction. Along the Snohomish and Stillaguamish rivers, some properties are in a mapped flood zone. East of Monroe, wells and septic systems are common.

Snohomish County by the numbers

Median home value

$696,000 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.77% of home value a year: median tax bill $5,364 on a median value of $696,000 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

State real estate excise tax graduated from 1.1% to 3% of the price, plus local excise tax (Washington Department of Revenue, real estate excise tax)

Largest communities

Everett, Marysville, Edmonds, Lake Stevens (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $696,000. The 2026 one-unit conforming loan limit here is $1,063,750 and the FHA limit is $1,063,750.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Washington

Closings in Washington are typically handled by an escrow and title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Washington page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Snohomish County buyers ask

Washington notice. Stellar Mortgage Corporation, NMLS #2190975. NMLS Consumer Access.

Limits shown are the 2026 FHFA and HUD figures for Snohomish County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.