Home loans in Wenatchee, WA
Wenatchee Mortgage Loan Officer – Jason Gray, NEXA Lending
Washington home loans since 1993. Clear answers, fast replies, and a plan that fits.
The Wenatchee Valley draws people for the orchards, the river and the mountains. 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 Chelan and Douglas County clients by phone, video and secure upload.
Quick, no-pressure conversation. Questions are free.
📍 Office: Kirkland, Washington — serving Wenatchee clients by phone, video and in person.
Who I help in Wenatchee
Wenatchee buyers look at homes on the Westside and Sunnyslope, in neighboring East Wenatchee, and in nearby communities like Malaga, Cashmere, Peshastin, Leavenworth, Entiat and Chelan.
I help first-time buyers, families with orchard and agricultural income, healthcare workers, remote workers moving over from the west side, self-employed people, and buyers looking for a second home near Leavenworth or Lake Chelan.
Loan programs that come up often in Wenatchee
Second homes. Second-home financing has its own occupancy and documentation rules, and short-term rental plans affect which programs fit. We'll be clear about that up front.
USDA loans. Some areas outside the city, depending on the current USDA map and income limits, may be eligible.
Seasonal and agricultural income. With enough history, lenders can often use seasonal income.
FHA and VA. FHA's flexible guidelines help many first-time buyers, and VA financing is worth reviewing for eligible veterans.
Self-employed and DSCR. Bank-statement options may be available for business owners, and DSCR loans may fit rental properties.
Homes in the Wenatchee Valley
Wenatchee Valley buyers look at homes in Wenatchee, East Wenatchee, Malaga, Cashmere, Leavenworth, Chelan and Entiat. Hillside and foothill properties can be in wildfire-prone areas, so it's smart to get homeowners insurance quotes early, since the insurance cost is part of qualifying.
Orchard properties, homes with irrigation rights, and rural homes on wells come up often. Some loan programs limit acreage or income-producing land, so we'll confirm the property fits before you're under contract.
Second homes and vacation rentals
Leavenworth and Lake Chelan draw second-home buyers. A true second home has different rules than a rental property, and short-term rental plans can change which programs fit. If the property will be rented, a DSCR investor loan may be an option, qualifying mainly on the expected rent. Tell me your plans and I'll show you the choices.
How I work
I'll tell you honestly what I see in your file. As a NEXA Lending broker, I can shop your scenario across many wholesale lenders to look for a fit.
Quick replies, typically the same day, and clear updates for you and your agent.
What to expect when we work together
Step one is a short call. Tell me what you're trying to do in Wenatchee — 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.
Wenatchee mortgage questions
Can I buy a second home near Leavenworth?
Possibly. Second-home loans have occupancy rules, and if you plan to rent it short-term, an investment or DSCR loan may be the better fit. Let's talk through your plans.
Could a home near Cashmere qualify for USDA?
Possibly. It depends on the property location and your household income. Send me the address.
I work remotely for a Seattle company. Can I buy in Wenatchee?
Yes, generally. Lenders will want to confirm your remote arrangement with your employer.
Can orchard income count?
Often, with a consistent history. We'll review your records together.
Do you work with Wenatchee buyers from Kirkland?
Yes. Nearly everything happens remotely, and your local agent and title company handle the in-person pieces.
Let's talk about your Wenatchee 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