Home loans in Olympia, WA
Olympia Mortgage Loan Officer – Jason Gray, NEXA Lending
Washington home loans since 1993. Clear answers, fast replies, and a plan that fits.
Olympia, Lacey and Tumwater are home to state employees, military families and people looking for a little more room. I'm Jason Gray, NMLS 118354, Branch Manager with NEXA Lending (NMLS 1660690). I've been lending in Washington since 1993, and I work with Thurston County clients by phone, video and secure upload.
Quick, no-pressure conversation. Questions are free.
📍 Office: Kirkland, Washington — serving Olympia clients by phone, video and in person.
Who I help in Olympia
Olympia buyers look at older homes on the Eastside and Westside and near the South Capitol neighborhood, homes in Lacey's Hawks Prairie and Tumwater, and more rural properties toward Yelm, Rainier, Tenino and the Steamboat Island area.
I help state employees, service members and veterans at nearby Joint Base Lewis-McChord, first-time buyers, people moving south from Seattle and Tacoma, and owners looking to refinance.
Loan programs that come up often in Olympia
VA loans near JBLM. Lacey and Olympia are a common choice for JBLM families. For eligible borrowers, VA loans may allow purchase with no down payment and no monthly mortgage insurance, subject to eligibility and lender guidelines.
FHA and first-time buyer options. FHA's flexible guidelines help many first-time Thurston County buyers.
USDA loans. Rural areas such as parts of Yelm, Rainier and Tenino may be eligible, depending on the current USDA map and income limits.
Public-sector income. State and local government jobs are usually straightforward to document. We'll make sure everything lines up.
Refinance and HELOC. If you want to change terms or tap equity, I'll help you see if it makes sense.
How I work
I'll tell you clearly what looks realistic and what we can do about anything that doesn't yet. As a NEXA Lending broker, I can shop your scenario across many wholesale lenders.
If you're PCSing to JBLM, we can start before you arrive. Quick replies and no pressure.
What to expect when we work together
Step one is a short call. Tell me what you're trying to do in Olympia — buy, refinance, invest, or just figure out a plan — and what's worrying you about it. There are no wrong questions.
Step two is paperwork. Usually that means recent pay stubs or business records, W-2s, 1099s or tax returns, bank statements and a photo ID. I'll give you a specific list based on your situation so you're not guessing.
Step three is a clear answer. I'll review your file, tell you which options look realistic, and explain the trade-offs in plain language. If something needs work first, like credit, documentation or savings, I'll say so and help you map out the next steps.
From there, I stay in touch through the whole process, so you always know what's happening and what comes next.
Olympia mortgage questions
Can I buy in Lacey or Olympia before I PCS to JBLM?
Often, yes. We can start the pre-approval remotely using your orders. Timing with your report date matters, so let's plan it together.
Could a home near Yelm or Tenino qualify for USDA?
Possibly. It depends on the property location and your household income. Send me the address.
I work for the state. Is my income easy to document?
Usually. Paystubs and W-2s are typically enough, and we'll confirm with your employer as required.
Is a VA loan really no money down?
For many eligible borrowers, yes, subject to entitlement and lender guidelines. You'll still have closing costs.
How do I get started?
Start at jasongrayloans.com or call 425-260-3482.
Let's talk about your Olympia plans
Jason Scott Gray, Branch Manager | Mortgage Consultant, NMLS 118354 · NEXA Lending, NMLS 1660690. Office: 1524 Market Street, Suite 103, Kirkland, WA 98033.
Program availability depends on eligibility, property and lender guidelines. Back to home