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

HECM mortgage help for Moses Lake homeowners

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

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Older couple smiling on the porch of their home

Moses Lake and the Columbia Basin are close-knit communities where people tend to stay. If you own your home in Moses Lake, Ephrata, Othello or Quincy and would like more financial flexibility in retirement, a HECM mortgage may help.

I know it can feel harder to get good help in smaller communities. I'll be easy to reach by phone, and I'll coordinate the appraisal, title and escrow so you don't have to chase anyone.

How a HECM mortgage may help in Moses Lake

  • 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 Moses Lake

Most Grant County homes are within the FHA HECM limit, so a standard HECM is usually the starting point. 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 Moses Lake and nearby communities such as Ephrata, Othello, Quincy, Soap Lake, in Grant 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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Moses Lake questions

Is it harder to get a HECM in a smaller town like Moses Lake?
Not necessarily. The same FHA guidelines apply statewide. I'll coordinate with appraisers and title companies that serve your area.
Can I get money as monthly payments?
Yes, a HECM can provide monthly payments for a set term or for as long as you live in the home, or a lump sum, a line of credit, or a combination.
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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