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Select from hundreds of loan products tailored to your needs

James Nesbit

James Nesbit

Branch Manager

111 Tumwater Blvd SE, Suite B104, Tumwater, WA 98501
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
4.96 out of 5.0 stars
5.0
4.96
David
Feb 26, 2024
Verified

Excellent communication, extremely professional, incredibly helpful and involved
Joni
Jan 30, 2024
Verified

James and his team worked really hard to take care of all our needs. A+++++++
Jordan
Feb 26, 2024
Verified

James is the best! He is very responsive, willing to explain the process and give alternative solutions. We are first time home buyers and worked with James for about a year and a half and he was very patient. We experienced using a different lender for a short period and it was horrible compared to working with James. We will recommend him to everyone!
Kristie
Feb 21, 2024
Verified

James is super communicative and kept us informed of everything needed, every step of the way. James is also very kind, and encouraging.
Britney B
Feb 17, 2024
Verified

James is above and beyond! So grateful for his team taking great care of my clients! I appreciate that James and his team answer all my clients questions and helped us to the finish line!
Stephanie E
Feb 17, 2024
Verified

James communication is fantastic! I love working with him because I know my clients will be well taken care of

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NMLS ID #205930
I am authorized to do business in the state of Washington.