Home loans in Redmond, WA
Redmond Mortgage Loan Officer – Jason Gray, NEXA Lending
Washington home loans since 1993. Clear answers, fast replies, and a plan that fits.
Redmond buyers tend to be busy, and they want clear answers fast. I'm Jason Gray, NMLS 118354, Branch Manager with NEXA Lending (NMLS 1660690), based a short drive away in Kirkland. I've been helping Eastside families finance homes since 1993.
Quick, no-pressure conversation. Questions are free.
📍 Office: Kirkland, Washington — serving Redmond clients by phone, video and in person.
Who I help in Redmond
Redmond has a mix of newer townhomes and condos near Downtown Redmond and Overlake, established neighborhoods like Education Hill and Grass Lawn, and larger homes out toward Redmond Ridge and Union Hill. Light rail has added more interest in homes near the stations.
Many of my Redmond clients work in tech and have bonus or stock income. Others are first-time buyers stepping up from renting, families moving up for more space, or owners looking at a refinance or HELOC.
Programs that come up often in Redmond
First-time buyer and FHA options. If you're buying your first townhome or condo, I'll walk you through down payment, closing costs and timing in plain terms.
Jumbo loans. Many single-family homes here land above conforming limits. I can compare jumbo guidelines across lenders.
Stock and bonus income. Lenders have specific rules about how RSUs and bonuses are counted. We'll look at your history so there are no surprises in underwriting.
VA loans. For eligible veterans and service members, VA financing can be a strong fit, including for higher-priced homes, depending on entitlement and lender guidelines.
Refinance and HELOC. If you want to change terms or tap equity, I'll help you see if it makes sense.
How I work
I'll be direct about what I see in your file, and I'll tell you early if something needs attention. As a NEXA Lending broker, I can shop your scenario with many wholesale lenders to look for a fit. Replies are quick, typically same day, and your agent will get updates without having to chase me.
No pressure, no obligation. Questions are free.
What to expect when we work together
Step one is a short call. Tell me what you're trying to do in Redmond — 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.
Redmond mortgage questions
Can I buy a Redmond townhome with a small down payment?
Possibly. FHA and some conventional programs allow lower down payments for eligible buyers. We'll check whether the property and your file fit those programs.
How do lenders count my RSUs or bonus?
Usually they want a history of receiving it and evidence it's likely to continue. The calculation varies, so we'll review your statements together.
Can I use a VA loan in Redmond?
If you're eligible, yes. VA loans can be used for many home types, and condos need to meet VA requirements. Let's check your eligibility.
Do you meet in person?
Yes, at my Kirkland office on Market Street, or we can do everything by phone and video. Whatever is easiest for you.
How fast can I get pre-approved?
Once I have your application and documents, I'll review them quickly and let you know where you stand and what's next.
Let's talk about your Redmond 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