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

HECM mortgage help for Vancouver, WA homeowners

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

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Older couple smiling on the porch of their home

Vancouver, Washington and Clark County have long been home to people who want Northwest living with easy access to Portland. Many longtime homeowners in Felida, Salmon Creek, Camas and Battle Ground have built up equity and would like to stay close to family.

I work only with Washington properties, so if your home is in Vancouver or elsewhere in Clark County, I can help. A HECM mortgage may help you pay off a current mortgage or set up a line of credit for the years ahead.

How a HECM mortgage may help in Vancouver, WA

  • 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 Vancouver, WA

Most Clark County homes are within the FHA HECM limit, though some higher-value homes in Camas and elsewhere 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 Vancouver and nearby communities such as Camas, Battle Ground, Ridgefield, Felida, Salmon Creek, in Clark 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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Vancouver, WA questions

I live in Vancouver, Washington. Can you help?
Yes. I serve homeowners throughout Washington State, including Vancouver, Camas, Battle Ground and Ridgefield. I don't work with Oregon properties.
Can I set up a line of credit with a HECM?
Yes, a HECM line of credit is one option, and the unused portion can grow over time. I'll explain how it works for your situation.
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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