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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Kim Wolcott

Kim Wolcott

Regional Vice President

1002 15th Street SW, Suite 205, Auburn, WA 98001
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.95 out of 5.0 stars
5.0
4.94
Stacie R
Feb 01, 2024
Verified

Kim returns phone calls, emails there is constant communication back-and-forth, which makes a transaction extremely easy when you have a lender that communicates with you
Kerry Jo H
Dec 07, 2023
Verified

Kim is a great lender. She does what she says, no empty promises. Her follow up is amazing too. She is definitely someone I will reccomend.
Will
Dec 07, 2023
Verified

Kim and her team went above and beyond on this transaction! We essentially gave Kim a "Rubik's cube" to solve in order to fund our recent purchase. We had a litany of moving parts and potential obstacles, but none of this deterred Kim in the slightest. She expertly addressed every variable and made sure we were approved for a loan before we ever settled on our next home. Thanks Kim!
Kenton K
Nov 09, 2023
Verified

Great service
Christopher G
Nov 04, 2023
Verified

There’s so many great things I can say about Kim and her team. Let me tell you this, she WORKED super hard for me and my clients. One thing that I like about Kim, she is dedicated and will do anything is her power to put the client first. It’s no surprise why she is where she is. She’s the best in the industry.
Jane
Mar 26, 2022
Verified

Jeff always makes himself available for questions and advice. We never worry about him being honest with us.

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NMLS ID #311589
I am authorized to do business in the states of Arizona, Oregon and Washington. AZ BK#0018883; AZ BKBR# 1050986; AZ LO Lic.# 924104; OR ML-176;