Jake Svendsen · Loan Officer · Spokane & the Palouse
Home loans with clear answers, from a lender who lives here.
Jake Svendsen helps Eastern Washington borrowers buy, refinance and invest. Purchase loans, refinancing, home equity, land, investment and commercial financing, explained in plain language.
Loan programs
Whether you're buying your first home, tapping equity, planning for retirement or financing a rental, there's a program built for it.
Buy a Home
Conventional LoansFlexible financing for primary homes, second homes and investment property, not insured by a government agency.FHA LoansGovernment-insured loans with flexible credit guidelines and a lower down payment requirement.VA LoansHome loans for eligible veterans, service members and surviving spouses, guaranteed by the Department of Veterans Affairs.First-Time Homebuyer ProgramsGuidance, loan options and down payment assistance for buyers purchasing their first home.Refinance & Equity
Mortgage RefinanceReplace your current mortgage to change your rate, term or loan type.Cash-Out RefinanceRefinance for more than you owe and receive the difference in cash.Home Equity Line of Credit (HELOC)A revolving credit line secured by your home that you draw on as needed.Home Equity Loan (HELOAN)A fixed lump-sum second mortgage that leaves your first mortgage in place.Reverse Mortgage (HECM)Lets homeowners 62 and older convert part of their home equity into cash while continuing to live in the home.Land, Investment & Commercial
Land LoansFinancing for raw land, rural acreage and lots to build on.DSCR Loans for InvestorsInvestment property loans that qualify on the property's rental income, not your personal income.Hard Money LoansShort-term, asset-based financing for fix-and-flips, bridge loans and time-sensitive deals.Commercial Real Estate LoansFinancing for multifamily, mixed-use, retail, office, industrial and owner-occupied commercial property.
Meet your loan officer
Straight answers and a lender who picks up the phone
Jake began his career as a loan officer in the Seattle area in 2010. In 2019 he and his wife moved to Eastern Washington to raise their family, and today he helps borrowers across Spokane, the Palouse and the surrounding counties.
His goal is simple: explain your options clearly so you can make an informed decision about your financing, then make the process as smooth as possible.
More about JakeHow it works
- Send a quick noteShare a few details online, or just call. It takes about two minutes.
- Talk it throughJake contacts you, learns your goals and walks you through your options.
- Choose your loanCompare programs side by side, with every cost explained.
- CloseSign with the escrow or title company and get your keys.
Areas we serve
Based in Spokane and lending throughout Eastern Washington.
Community events
Homebuyer classes, investing meetups and personal finance workshops around Spokane.
- Thursday, October 29, 2026Spokane REI Network and LearnAvenues Event Center, 9320 E. Mission Ave., Building C, Spokane Valley
- Saturday, November 7, 2026Homebuyer Education ClassArgonne Library, 4322 N. Argonne Rd., Spokane
- Thursday, November 12, 2026LLC Strategies for Rental Property Success (online class)Online
Frequently asked questions
What areas does Jake Svendsen serve?
Jake is based in Spokane and serves Eastern Washington, including Spokane, Pullman and the Palouse, the Tri-Cities, Walla Walla, and Whitman, Franklin, Adams, Garfield, Lincoln, Stevens, Ferry and Pend Oreille counties.
What types of loans do you offer?
Conventional, FHA and VA purchase loans, first-time homebuyer programs, rate-and-term and cash-out refinances, HELOCs and home equity loans, reverse mortgages, land loans, DSCR loans for investors, hard money loans, and commercial real estate loans.
How do I get pre-approved?
Send a few details through the Get Started page or call him directly. He'll walk you through the pre-approval process and issue a pre-approval letter you can use when making offers.
Is this Empire Home Loans' website?
No. This is Jake Svendsen's personal website. Jake is a licensed loan officer, NMLS #872316, with Empire Home Loans, Inc., NMLS #1839243. The company's official website is empirehomeloans.com.
Ready to talk through your options?
Share a few details and Jake will contact you to talk through your options. No pressure, just clear answers.