Home loans in Moses Lake, WA
Moses Lake Mortgage Loan Officer – Jason Gray, NEXA Lending
Washington home loans since 1993. Clear answers, fast replies, and a plan that fits.
Moses Lake and the Columbia Basin are growing, with new jobs and new homes. 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 Grant County clients by phone, video and secure upload.
Quick, no-pressure conversation. Questions are free.
📍 Office: Kirkland, Washington — serving Moses Lake clients by phone, video and in person.
Who I help in Moses Lake
Moses Lake buyers look at homes around the lake, in Cascade Valley and Peninsula, newer subdivisions near the edges of town, and nearby communities like Ephrata, Soap Lake, Warden, Othello, Royal City and Quincy.
I help first-time buyers, workers moving to the area for manufacturing, data-center and Grant County International Airport jobs, families with agricultural income, veterans, and self-employed people.
Loan programs that come up often in Moses Lake
USDA loans. Much of Grant County may be USDA-eligible, depending on the current map and household income limits. It's worth checking early.
FHA and first-time buyer options. Flexible down payment and credit guidelines help many first-time buyers here.
Seasonal and agricultural income. With enough history, lenders can often use seasonal income. We'll review it together.
VA loans. For eligible veterans and service members, VA financing is worth reviewing.
Self-employed and manufactured homes. Bank-statement options may be available for business owners, and some programs finance manufactured homes on owned land, subject to property requirements.
Properties around Moses Lake and the Columbia Basin
Outside town, homes near Ephrata, Othello, Quincy, Royal City, Warden and Soap Lake may sit on acreage with a private well, septic system or irrigation district water. Lenders typically want a well-water test and sometimes a septic inspection, and the appraiser may need comparable sales from a wider area. Building that into the schedule avoids surprises.
Lakefront and lake-view homes, manufactured homes on owned land, and homes with shops or outbuildings all come up. Each has its own appraisal and program rules, which we'll check before you write an offer.
New jobs and growing employers
The Columbia Basin has seen growth in industrial, data center, manufacturing and agricultural employers. If you're moving here for a new job, some programs can work with a signed offer letter, and seasonal or shift-differential income can often count with enough history. We'll look at your actual pay stubs and offer details together.
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 Moses Lake — 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.
Moses Lake mortgage questions
Could a home in Moses Lake qualify for USDA?
It depends on the property's location on the current USDA map and your household income. Send me the address and we'll check.
I'm starting a new job in Moses Lake. Can I still buy?
Often, yes. Lenders look at your work history and the new position. Let's review your offer letter and background.
Can you finance a manufactured home?
Some programs can, when the home is on a permanent foundation on land you own and meets property requirements. Let's look at the specific home.
Can farm income count?
Often, with a consistent history. We'll review your W-2s or tax returns.
Do you work with Moses Lake 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 Moses Lake 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