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

HECM mortgage help for Spokane homeowners

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

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Older couple smiling on the porch of their home

Spokane homeowners tend to be practical people who value straight answers, and that's how I work. Whether you're on the South Hill, in Spokane Valley or out near Liberty Lake or Cheney, a HECM mortgage may help you stay in your home and ease monthly budgets.

Even though my office is on the west side, I work with homeowners throughout Washington State. We can do almost everything by phone and video, and I'll coordinate with local appraisers, title and escrow.

How a HECM mortgage may help in Spokane

  • 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 Spokane

Most Spokane-area 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 Spokane and nearby communities such as Spokane Valley, Liberty Lake, Cheney, Airway Heights, South Hill, in Spokane 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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Spokane questions

Do you work with Spokane homeowners even though your office is in Kirkland?
Yes. I serve homeowners throughout Washington State. Most steps can be done by phone, video and secure email, and closing is handled locally.
Can a HECM help me with home repairs or updates?
HECM funds can be used for many purposes, including updates that make a home easier to live in. Some required repairs may be handled through the loan.
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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