Home loans in Everett, WA
Everett Mortgage Loan Officer – Jason Gray, NEXA Lending
Washington home loans since 1993. Clear answers, fast replies, and a plan that fits.
Everett and Snohomish County are just up I-405 and I-5 from my Kirkland office. I'm Jason Gray, NMLS 118354, Branch Manager with NEXA Lending (NMLS 1660690). I've been lending in Washington since 1993, and I help Everett-area buyers in person or by phone, video and secure upload.
Quick, no-pressure conversation. Questions are free.
📍 Office: Kirkland, Washington — serving Everett clients by phone, video and in person.
Who I help in Everett
Everett has older homes in the Northwest Everett and Port Gardner neighborhoods, condos near downtown and the waterfront, and family neighborhoods like Silver Lake, Cascade View and View Ridge. Many buyers also look at Mukilteo, Mill Creek, Lynnwood, Lake Stevens, Marysville and Snohomish.
I help Navy families at Naval Station Everett, Boeing and aerospace workers, first-time buyers priced out of King County, people commuting south on I-5 or by light rail from Lynnwood, self-employed borrowers, and owners looking to refinance.
Loan programs that come up often in Everett
VA loans near Naval Station Everett. 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 with your Certificate of Eligibility and PCS timing.
Aerospace and shift income. Overtime, shift differentials and union pay can often count with enough history. We'll review your paystubs and W-2s so underwriting is clear.
FHA and first-time buyer options. FHA's flexible down payment and credit guidelines help many first-time Snohomish County buyers.
New construction and condos. Lake Stevens and Marysville have many newer subdivisions, and condos need a building review. We'll gather documents early.
Self-employed, refinance and HELOC. Bank-statement options may be available for business owners, and I'll help you decide whether a refinance or HELOC makes sense.
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.
If you're PCSing to Naval Station Everett, we can start before you arrive. Quick replies, typically the same day, 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 Everett — 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.
Everett mortgage questions
Can I buy near Naval Station Everett before I PCS?
Often, yes. We can start the pre-approval remotely using your orders. Timing with your report date matters, so let's plan it together.
Can my Boeing overtime count as income?
Often it can, with a consistent history, usually about two years. We'll review your paystubs and W-2s together.
Is a VA loan really no money down?
For many eligible borrowers, VA allows no down payment, subject to entitlement and lender guidelines. You'll still have closing costs.
Should I use the builder's lender in Lake Stevens or Marysville?
It's your choice. I'll help you compare builder incentives and the full loan picture side by side.
How do I get started?
Start at jasongrayloans.com or call 425-260-3482.
Let's talk about your Everett 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