Home loans in Tacoma, WA
Tacoma Mortgage Loan Officer – Jason Gray, NEXA Lending
Washington home loans since 1993. Clear answers, fast replies, and a plan that fits.
Tacoma and the South Sound are a big part of my business, especially for military families and first-time buyers. I'm Jason Gray, NMLS 118354, Branch Manager with NEXA Lending (NMLS 1660690). I've been lending since 1993, and I'm glad to help whether you're stationed at Joint Base Lewis-McChord or just looking for more home for your money.
Quick, no-pressure conversation. Questions are free.
📍 Office: Kirkland, Washington — serving Tacoma clients by phone, video and in person.
Who I help in Tacoma
Tacoma has a lot of character: older homes in the North End and Proctor, the Stadium District near downtown, South Tacoma, the Eastside, and nearby communities like Lakewood, University Place, DuPont and Puyallup. Buyers here include service members and veterans near JBLM, first-time buyers, people moving down from Seattle, and investors buying rentals.
I also work with plenty of borrowers who have a bump in their history — a past bankruptcy, a job change, or self-employment — and want an honest read on what's possible.
Programs that come up often in Tacoma
VA loans near JBLM. For eligible veterans, active-duty service members and surviving spouses, VA loans may allow purchase with no down payment and no monthly mortgage insurance, subject to eligibility and lender guidelines. I'll help you get your Certificate of Eligibility and understand PCS timing.
FHA loans. FHA offers flexible down payment and credit guidelines that help many first-time Tacoma buyers.
FHA 203(k). Many Tacoma homes are older. A 203(k) loan can let you finance the purchase and repairs together.
Mortgages after bankruptcy. Waiting periods differ by program. We'll look at your dates and what you've done since.
DSCR investor loans. For rentals, a DSCR loan may let you qualify on the property's rental income.
How I work
I'll tell you clearly what you qualify for, what you don't yet, and what we can do about it. As a NEXA Lending broker, I can shop your scenario across many wholesale lenders to look for a fit. Most of the process happens by phone and secure upload, so distance isn't an issue.
If you're PCSing in, we can start before you arrive. Quick replies, clear timelines, no pressure.
What to expect when we work together
Step one is a short call. Tell me what you're trying to do in Tacoma — 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.
Tacoma mortgage questions
Can I buy a home near JBLM before I PCS?
Often, yes. We can start the pre-approval remotely using your orders and documents. Timing with your report date matters, so let's plan it together.
Is a VA loan really no money down?
For many eligible borrowers, VA allows no down payment, subject to entitlement, loan amount and lender guidelines. You'll still have closing costs, which can sometimes be covered in other ways. I'll explain your options.
Can I use a VA loan more than once?
Yes, VA entitlement can often be used again or restored. Let's look at your Certificate of Eligibility.
I had a bankruptcy. Can I buy in Tacoma?
Possibly, once the program's waiting period has passed. FHA, VA and conventional each have different rules. Let's review your dates.
Do you only work on the Eastside?
No. My office is in Kirkland, but I help buyers in Tacoma and throughout the South Sound, subject to licensing.
Let's talk about your Tacoma 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