Home loans in Yakima, WA
Yakima Mortgage Loan Officer – Jason Gray, NEXA Lending
Washington home loans since 1993. Clear answers, fast replies, and a plan that fits.
The Yakima Valley has a lot of hardworking buyers whose income doesn't always fit a simple paystub. 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 Yakima-area clients by phone, video and secure upload.
Quick, no-pressure conversation. Questions are free.
📍 Office: Kirkland, Washington — serving Yakima clients by phone, video and in person.
Who I help in Yakima
Yakima buyers look at homes in West Valley, the established streets near Franklin Park and the Barge-Chestnut area, and neighborhoods across the city, as well as Union Gap, Selah, Moxee, Terrace Heights, Wapato, Zillah, Toppenish, Grandview and Sunnyside.
I help first-time buyers, families with seasonal or agricultural income, self-employed people in orchards, vineyards, trucking and the trades, veterans, and homeowners who want to refinance.
Loan programs that come up often in Yakima
USDA loans. Many communities across the Yakima Valley may be eligible for USDA financing, depending on the current USDA map and household income limits.
FHA and first-time buyer options. Flexible down payment and credit guidelines help many first-time Yakima buyers.
Seasonal and agricultural income. Lenders can often use seasonal income with enough history. We'll look at your two-year record together.
Self-employed and bank-statement loans. If your tax returns don't show your real income, bank-statement options may be available.
VA loans. For eligible veterans and service members, VA financing is worth reviewing.
Homes and properties around Yakima
Yakima Valley buyers look everywhere from West Valley and Terrace Heights to Selah, Union Gap, Moxee and the smaller towns down the valley toward Zillah, Toppenish and Sunnyside. Many homes outside city limits sit on larger lots or small acreage, and some use a private well and septic system. Lenders usually want a water test and a septic inspection on those homes, so it helps to build them into your timeline from the start.
Manufactured homes on owned land are common in parts of the valley. Some loan programs can work with them when the home is permanently attached to a foundation and titled as real property; we'll check the details early.
Income that is common in the valley
Agricultural, seasonal, orchard, warehouse and healthcare jobs are all part of the local picture. Seasonal or variable income can often be used when there's a steady two-year history, and I'll walk through how a lender is likely to average it. Self-employed growers and contractors may have full-documentation or bank-statement options, depending on the program.
How I work
I'll be direct about what I see and tell you early if something needs attention. 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 Yakima — 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.
Yakima mortgage questions
Can seasonal farm or orchard income count?
Often it can, if there's a consistent history, usually about two years. We'll review your W-2s or tax returns together.
Could a home in Selah or Zillah qualify for USDA?
Possibly. It depends on the property's location on the current USDA map and your household income. Send me the address.
I'm self-employed in agriculture. What will a lender need?
Usually tax returns and business records, and sometimes bank statements. I'll give you a specific list based on your situation.
Do you work with Yakima buyers from Kirkland?
Yes. Nearly everything happens by phone, email and secure upload, and your local agent and title company handle the in-person pieces.
How do I get started?
Start at jasongrayloans.com or call 425-260-3482.
Let's talk about your Yakima 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