Home loans in Kirkland, WA
Kirkland Mortgage Loan Officer – Jason Gray, NEXA Lending
Washington home loans since 1993. Clear answers, fast replies, and a plan that fits.
Kirkland is home base for me. My branch office is at 1524 Market Street, Suite 103, just up from downtown and the waterfront. I'm Jason Gray, NMLS 118354, Branch Manager with NEXA Lending (NMLS 1660690). I've been lending since 1993 and previously managed the NAF Kirkland branch, so I've helped a lot of neighbors buy, refinance and move up right here.
Quick, no-pressure conversation. Questions are free.
📍 Office: Kirkland, Washington — serving Kirkland clients by phone, video and in person.
Who I help in Kirkland
Kirkland buyers range widely. Some are looking at a downtown condo they can walk to the lake from. Others want a family home in Juanita, Finn Hill, Rose Hill or Houghton, or a newer townhome near Totem Lake. Many are moving up from a first home, and many are long-time owners who want to refinance, pull equity for a remodel, or set up a HELOC.
I also work with a lot of self-employed people and business owners on the Eastside, plus buyers who have had a bankruptcy or other credit event in the past and want to know honestly where they stand.
Programs that come up often in Kirkland
Jumbo loans. Many Kirkland homes are priced above conforming loan limits. Jumbo guidelines differ between lenders, so comparing options matters.
Move-up purchases. Buying before you sell is a common Kirkland puzzle. We'll talk through how your current home, equity and timing fit together, and what options may be available.
Refinance and HELOC. If you're thinking about a remodel, consolidating debt or changing your loan terms, I'll help you see whether it actually makes sense for you.
Self-employed, VA and FHA. These are everyday files for me. Bank-statement options may be available for business owners; VA and FHA can help eligible buyers with flexible down payment options.
Why local matters
When your lender is down the street, it's easy to drop off a question, sit down to go over numbers, or get a quick answer while you're writing an offer. Local agents know they can reach me, and that helps your offer move smoothly.
As a NEXA Lending broker, I can shop your file with many wholesale lenders. My job is to find a fit for your situation and explain it in plain language — no pressure, no obligation.
What to expect when we work together
Step one is a short call. Tell me what you're trying to do in Kirkland — 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.
Kirkland mortgage questions
Where is your Kirkland office?
1524 Market Street, Suite 103, Kirkland, WA 98033. Call 425-260-3482 before coming in so I can make sure I'm in.
Can I buy a new Kirkland home before selling my current one?
Sometimes. It depends on your income, debts, equity and the programs available. Let's go over your numbers and see which paths are realistic.
Do I need a jumbo loan in Kirkland?
It depends on the price and your down payment. If your loan amount is above the conforming limit for King County, a jumbo loan is usually the path. I'll tell you where your purchase falls.
Is a HELOC or a cash-out refinance better for a remodel?
It depends on your current loan, how much you need and how long you plan to stay. I'll lay out both side by side so you can decide.
How long have you been lending in Kirkland?
I've been originating loans since 1993 and have worked out of Kirkland for years, including as NAF Kirkland Branch Manager before joining NEXA Lending.
Let's talk about your Kirkland 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