Lending in Spokane, WA
Spokane is home base. Our office is downtown on West 1st Avenue, and Jake has helped Eastern Washington families since moving here in 2019 after nearly a decade as a loan officer in the Seattle area.
The Spokane market covers a lot of ground: early-1900s homes on the South Hill and in Browne's Addition, mid-century ramblers in Northwest Spokane and Hillyard, newer subdivisions in Spokane Valley and Liberty Lake, condos downtown and acreage toward Mead, Nine Mile Falls and Cheney. Each calls for a slightly different financing approach.
What Spokane buyers and homeowners should know
- Homes built before 1978 on the South Hill and in Browne's Addition can have peeling paint or older systems that FHA and VA appraisers flag as required repairs.
- Active-duty and veteran buyers near Fairchild Air Force Base often benefit from VA financing in Airway Heights, Medical Lake and Cheney.
- Investors buying duplexes and small multifamily properties may compare FHA owner-occupied options with DSCR loans.
- Buyers moving from Western Washington can often put equity from their current home toward a Spokane purchase.
Loan programs that fit Spokane
VA Loans
Popular with Fairchild AFB personnel buying in Airway Heights, Medical Lake and Cheney.
Learn moreFHA Loans
Common for first homes in North Spokane, Hillyard and Spokane Valley, and for owner-occupied duplexes.
Learn moreConventional Loans
A good fit for move-up buyers on the South Hill and in Liberty Lake with strong credit.
Learn moreFirst-Time Homebuyer Programs
Washington down payment assistance can be paired with FHA or conventional financing in Spokane County.
Learn moreDSCR Loans for Investors
Used by investors buying long-term rentals near Gonzaga, the medical district and downtown.
Learn moreHome Equity Line of Credit (HELOC)
Owners of older South Hill homes often use HELOCs to fund phased renovations.
Learn moreCommunities served
- Spokane
- Spokane Valley
- Liberty Lake
- Cheney
- Airway Heights
- Medical Lake
- Mead
- Nine Mile Falls
- Deer Park
Spokane home loan questions
Do you have a local office in Spokane?
Yes. Our office is at 601 W. 1st Avenue, Suite 1400, in downtown Spokane. You can also work with Jake entirely by phone and online.
Do you work with buyers relocating from Seattle?
Yes. Jake started his career in the Seattle area in 2010 and understands both markets, including how to use equity from a West Side home toward a purchase in Spokane.
Can I buy in Spokane before I sell my current home?
Sometimes. Options include qualifying while carrying both homes, selling first and renting briefly, or using equity from your current home. Jake can compare them for your situation.