Everett’s housing market offers strong value relative to Seattle and the Eastside — most homes trade well within Snohomish County’s high-balance conforming limit of $1,063,750, making conventional financing the standard tool for the majority of buyers. But the city’s upper tier is defined by some of the most dramatic residential settings in the North Puget Sound: homes along Mukilteo Boulevard where bluff-top properties command sweeping views of Port Gardner Bay, the Olympic Mountains, and the Mukilteo ferry crossing; the Harborview-Seahurst-Glenhaven corridor where panoramic Puget Sound views and well-maintained mid-century and contemporary homes create one of Everett’s most consistently desirable neighborhoods; and Northwest Everett’s finest historic Craftsman and Tudor properties where proximity to the waterfront and established character drive premiums above the conforming ceiling.
I specialize in Jumbo mortgage products for Everett and Snohomish County buyers — with programs suited to the region’s distinct buyer profile, including senior Boeing engineers and aerospace executives, Naval Station Everett officers and career military personnel building equity, and Seattle-area buyers who have chosen Everett’s affordability and waterfront access as an alternative to higher-cost Puget Sound markets to the south.
A Jumbo mortgage is any home loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In Snohomish County — which includes Everett — the 2026 high-balance conforming limit is
$1,063,750 for a single-family home. Any loan amount above this threshold is considered Jumbo and falls outside standard agency guidelines, requiring private lender underwriting.
Because Everett’s median home price sits well below the conforming limit, Jumbo transactions here represent a genuine upper tier — buyers purchasing at the top of what Everett’s waterfront and view markets offer. Properties along Mukilteo Boulevard and in the
Harborview-Seahurst-Glenhaven corridor are the most consistent source of Jumbo transactions in Everett, where view premiums and waterfront access push values meaningfully above the city median.
Loan amounts above $1,063,750 (Snohomish County)
Flexible underwriting for Boeing executives, senior aerospace professionals, and complex-income borrowers
Asset depletion and asset-based income programs for high-net-worth buyers
New construction and resale properties throughout Snohomish County
Portfolio and non-QM program access
Competitive rates with personalized terms
30-45 day closing timelines for qualified borrowers
Loans from $1,063,750 to $2.5M
Flexible underwriting for W-2, self-employed, and asset-based income borrowers
Primary residences and second homes
New construction timelines accommodated
Strong credit profiles preferred (700+)
Multi-million-dollar financing for the most exceptional waterfront and view properties in Everett and Snohomish County
Asset-based and portfolio loan programs
Alternative documentation for high-net-worth buyers
Discreet, high-touch service
Low or zero down payment (0-5%) for qualified medical professionals at Jumbo loan amounts
No PMI for qualifying medical professionals
Student loan flexibility maintained above the conforming limit
Available for Providence Regional Medical Center and Everett-area healthcare professionals
Mukilteo Boulevard — One of Everett's most coveted residential corridors, Mukilteo Boulevard winds along the bluffs above Port Gardner Bay from Howarth Park to Old Town Mukilteo. View properties here command sweeping panoramas of the Sound, the Olympic Mountains, and the Mukilteo-Whidbey Island ferry crossing. Homes range from generously sized properties on lots of a third of an acre or more — offering water and mountain views that few Pacific Northwest neighborhoods can match — to newer custom builds that push comfortably past the conforming limit. This is Everett's clearest concentration of Jumbo-range residential real estate.
Harborview-Seahurst-Glenhaven — This established neighborhood on Everett's west side is known for panoramic views of Puget Sound and the Olympic Mountains, excellent resale value, and a mix of well-maintained mid-century homes and contemporary builds. The combination of views, community stability, and proximity to downtown Everett and the Boeing campus makes Harborview one of the most consistently sought-after addresses in Snohomish County. Upper-tier properties here reach and exceed the conforming limit.
Northwest Everett — The city's historic core, home to Craftsman bungalows, Tudor revivals, and other early-twentieth-century architecture on tree-lined streets within walking distance of the downtown waterfront. Northwest Everett's finest properties — larger historic homes on premium lots with proximity to Port Gardner Bay — trade at a premium that reflects both architectural significance and location. Listing medians in Northwest Everett have been among the highest in the city in recent market snapshots.
Port Gardner and Waterfront Place — The ongoing $1 billion Waterfront Place redevelopment at the Port of Everett is delivering a new category of premium waterfront residential inventory — condos, townhomes, and mixed-use units with Port Gardner Bay views, marina access, and proximity to Everett's growing downtown restaurant and retail scene. Upper-tier units in this development exceed the conforming limit and require Jumbo financing.
Knowledge of Everett's premium neighborhoods — Mukilteo Boulevard, Harborview-Seahurst-Glenhaven, Northwest Everett, and the Port Gardner waterfront
Flexible Jumbo programs for Boeing and aerospace executives, Seattle-area buyers seeking Snohomish County value, and complex-income borrowers
Asset depletion and asset-based income programs for buyers whose wealth is held in investments or retirement accounts
Physician Jumbo programs for Providence Regional Medical Center and Everett-area healthcare professionals
Fast, transparent approvals with direct lender relationships
20+ years of experience — NMLS #235295
Strong Credit Profile — Typically 700+ for standard Jumbo programs, with some lenders preferring 720–740 for the most competitive terms.
Low Debt-to-Income Ratio — Most programs prefer DTI under 43%, with flexibility for high-asset borrowers qualifying via asset depletion.
Significant Cash Reserves — 6-12 months of mortgage payments in reserves is typical.
Stable, High Income — W-2, self-employed, asset-based, and retirement income borrowers all qualify under the right programs. Senior Boeing engineers and executives, career Naval Station Everett officers, and Seattle-area buyers are among the most common Jumbo buyer profiles in Everett.
Pre-Qualification — Review your income, assets, and target property or community.
Program Selection — Identify the best Jumbo program for your financial profile and property type.
Application & Underwriting — Efficient process for qualified borrowers with direct lender relationships.
Approval & Closing — Typically 30-45 days for resale; new construction timelines accommodated.
Funding — Move into your Everett home with confidence.
Jumbo transactions are concentrated in Everett's upper tier — Mukilteo Boulevard, Harborview-Seahurst-Glenhaven, upper Northwest Everett, and the Port Gardner waterfront development. As Everett has attracted buyers seeking Puget Sound waterfront and view access at a lower price point than comparable Seattle neighborhoods, demand for these premium properties has remained steady.
Boeing overtime and shift differential income can be counted as qualifying income in Jumbo underwriting when it has a documented two-year history. I work with Boeing employee buyer profiles regularly and understand how to correctly document and present aerospace industry compensation — including base, overtime, shift differentials, and incentive pay — for the strongest possible Jumbo approval.
Yes. Upper-tier units in the Port of Everett's Waterfront Place development that exceed the conforming limit require Jumbo financing. Condo Jumbo approvals also include a project warrantability review, which I handle as part of the pre-approval process.
Ready to finance your upper-tier Everett property? Schedule a confidential consultation today.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
