Questions? Call Jason directly: 425-260-3482
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Everett, Washington

HECM mortgage help for Everett homeowners

Plain-English guidance from Jason Gray, NEXA Lending, for homeowners 62+ in Everett and nearby communities.

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Older couple smiling on the porch of their home

Everett and south Snohomish County are full of homeowners who put down roots years ago, from Silver Lake and Mill Creek to Mukilteo and Lake Stevens. Many would like to stay close to family and familiar places, and a HECM mortgage may help make that easier.

If you've been thinking about moving closer to kids or grandkids in the area, a HECM for Purchase may let you buy a home that fits this stage of life, with no monthly mortgage payment required.

How a HECM mortgage may help in Everett

  • Pay off an existing mortgage, so no monthly mortgage payment is required
  • Receive funds as a lump sum, monthly payments, a line of credit, or a mix
  • Keep ownership of your home and stay as long as you meet the loan terms
  • Buy a home that suits this stage of life with a HECM for Purchase

You'll still pay property taxes, homeowners insurance and any HOA dues, and keep the home in good repair. Interest and fees are added to the balance over time.

Home values in Everett

Most Everett-area homes are within the FHA HECM limit, though some waterfront and larger homes may be worth comparing with a jumbo home equity conversion loan. For 2026, the FHA HECM maximum claim amount is $1,249,125 (HUD). Learn about higher-value homes.

Who I help

I work with homeowners 62 and older in Everett and nearby communities such as Mukilteo, Lake Stevens, Marysville, Mill Creek, Lynnwood, Silver Lake, in Snohomish County. Adult children, trusted friends and financial advisors are always welcome on our calls.

My simple 4-step process

I've been helping Washington homeowners since 1993. First, a free, no-pressure conversation. Second, HUD-approved counseling, which is usually a phone call of about 30 minutes; I'll give you a list of counselors. Third, I handle the paperwork and coordinate the appraisal, title and escrow. Fourth, we review every number together before you sign, and then you close.

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Everett questions

Do you work with homeowners in Snohomish County?
Yes. I serve homeowners throughout Washington State, including Everett, Mukilteo, Lake Stevens, Marysville, Mill Creek and Lynnwood.
Can a HECM pay off my existing Everett mortgage?
Often, yes. Many people use a HECM to pay off their current mortgage. You'd still pay taxes, insurance and HOA dues and maintain the home.
Who qualifies for a HECM mortgage?
Generally, the youngest borrower is 62 or older, the home is your primary residence, you have meaningful equity, and you can keep paying property taxes, insurance and HOA dues. HUD-approved counseling is required. Some jumbo programs may have different age requirements; ask Jason.
Do I still own my home?
Yes. You keep the title. You remain responsible for property taxes, homeowners insurance, HOA dues and upkeep.

Want a rough idea first? Try the educational estimator. See licensing and disclosures.

Jason Gray, NEXA Lending loan officer

No pressure. No obligation.

Request a free call

Tell me the best time to reach you and I'll call you myself. We'll just talk. Family members are welcome to join.

☎ Call 425-260-3482

Prefer email? jsgray@nexalending.com

I'll only use this to contact you about your question. No credit check, no Social Security number.

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