Explore the differences! FHA VS Conventional loan programs in Port-Ludlow, Jefferson County, Washington

In 2026, the conventional loan limit in Port-Ludlow, within Jefferson County, WA, is $647,200. For a single-family home, the FHA loan limit is $420,680.

The Lendersa® Conventional loan calculator can be used to compare current best rates for Conventional, FHA, and USDA loans. It helps to figure out the income, credit reserves, and documents needed for eligibility. Our advanced mortgage calculator provides side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, which supports your decision-making for the best program in WA.

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2026 Loan Limits and Down Payment Requirements in Port-Ludlow, Jefferson County, WA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $302,900 0%
FHA $420,680 3.5%

This table is relevant for zip codes: 98365

Exploring Conventional and FHA Loan Options in Port-Ludlow, WA

The aim of Lendersa® is to offer you the best possible Conventional, USDA, or FHA loan swiftly and without complications. Start with one of three approaches to find the right lenders and loan programs.

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Port-Ludlow Lenders

  • Liberty Bank
  • 19917 7th Avenue Northeast, Suite 101, Poulsbo, WA, 98370
  • Lends in Washington
  • Liberty Bank is a forward-thinking, customer-centric community bank committed to providing the best banking service and customer satisfaction in the Puget Sound Region. We are locally minded, civically engaged, and have an abiding appreciation for the communities we serve. Our outstanding employees work with diligence

  • Fulton Financial Consultants, Inc.
  • 3790 Shorewood Avenue, Greenbank, WA, 98253
  • Lends in Washington
  • Fulton Financial Consultants, Inc. formally incorporated under the laws of Washington State on April 21, 1980 with the name Fulton Insurance Consultants, Inc. Then in 1995 changed its name to Fulton Financial Consultants, Inc. which was done for multiple reasons including the preparation of expanding licensing to become a Mortgage Broker.

  • Connection Credit Union
  • 10200 Silverdale Way NW, Silverdale, WA, 98383
  • Lends in Washington
  • Connection Credit Union (CCU) was founded in 1958 as the City of Bremerton Employees Credit Union. There were 32 original members, who invested $5 each, so the original assets totaled $160. We expanded by adding City of Port Orchard employees, Kitsap County employees and merged Kitcom credit union into our membership base.

  • Mortgage Lending Group, LLC
  • 128 4th Ave S, Suite 101, Edmonds, WA, 98020
  • Lends in Washington
  • The mission of Mortgage Lending Group is to be a leader in the residential mortgage industry by providing clients with trustworthy service to achieve their financing goals; efficiently guiding the process to achieve an expedient and successful closing rate; and creating a lending environment that is readily accessible to all borrowers

  • Westar Funding
  • 728 3rd Street, Suite B, Mukilteo, WA, 98275
  • Lends in Washington
  • Westar Funding Inc. is a leading private money lender. We produce fast, reasonable, secure real estate loans that enable you to close quickly on residential & commercial investment properties. Westar offers financing that avoids the time-consuming process and onerous requirements of conventional lenders.

  • Pacific Capital Northwest
  • 8227 44th Ave W, Suite K, Mukilteo, WA, 98275
  • Lends in Washington
  • Private Capital Northwest is primarily a private money lender. Other names normally associated and used synonymously with private money lending include hard money, soft money, non-conforming, alternative, and asset- or equity-based lending Our loans are based on the asset, meaning the real property secures the loan.

  • Peninsula Mortgage Inc.
  • 224 W. Washington St, Suite 103, Sequim, WA, 98382
  • Lends in Washington
  • Peninsula Mortgage is the longest running independent Mortgage Lender on the Peninsula and is known for expertise, great loan prices and personal service and As an independent Mortgage Lender I am able to fit the best home loan available to my client's needs. A "single source" Lender can only offer the loans they happen to have in house.

  • Sean Clift Mortgage
  • 803 Carlsborg Rd, Sequim, WA, 98382
  • Lends in Washington
  • Clift Mortgage has been walking first time home buyers and veteran investors through the murky waters of residential lending for nearly 20 years, and with over 100 years combined experience, we know the pitfalls to avoid, and have the answers you need! residential lending for nearly 20 years

  • BAINBRIDGE LENDING GROUP, LLC
  • 345 Knechtel Way NE Suite 200, Bainbridge Island, WA, 98110
  • Lends in Washington
  • BLG gives you access to multiple lenders and dozens of loan programs allowing us to help find you a great rate and terms that meet your needs.Most importantly, we fully prequalify you so when you make an offer, local REALTORS will place more trust in an approval letter from us because they know we deliver.

  • Capstone Home Loans
  • 3400 188th Street SW, Suite 101, Lynnwood, WA, 98037
  • Lends in Washington
  • Capstone Home Loans is a leading, full-service integrated mortgage bank setting the standard for the industry today with a purposeful eye towards the future. A unique firm with a practice that actively supports the talents of experienced mortgage professionals who are focused on serving their client’s goals in pursuit of the American Dream.