Residential Financing

Mortgage Lenders in Everett, WA

Serving All of Snohomish County

Whether you're exploring ways to unlock the equity in your home with a HELOC or HELOAN, considering refinancing options to reduce your mortgage payments, or curious about the benefits of a reverse mortgage, Jim has tailored information to meet your needs. Additionally, we offer insights into custom home construction loans for those looking to personalize their living space.

First-time home buyers and current homeowners looking to navigate the selling and buying process will find valuable resources here. Explore various loan options, including down payment assistance, conventional, USDA, VA, FHA, and more, to find the perfect fit for your financial situation. Jim can give you the tools to make an informed decision that advances your financial goals and dream home. Jim can be reached at (425) 210-2963.

Mortgage Loans Available

Are you a first-time home buyer?

Navigating your first home purchase can be challenging, but we’re here to help every step of the way — from understanding your financing options to closing on your home. Jim also offers classes to help you understand the home-buying process, making your journey to homeownership as smooth as possible.

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Have you sold or want to sell your home and buy another one?

Whether upgrading, downsizing, or simply looking for a change, transitioning from one home to another can be seamless with the proper support. Explore your options for selling your current home and purchasing your next, ensuring a smooth transition and continuous housing.

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Are you interested in a HELOC or HELOAN?

Unlock the equity in your home with a home equity line of credit or a home equity loan. Whether you're planning renovations, consolidating debt, or financing a major purchase, these options provide flexible and accessible funding. Learn more about leveraging your home's value to meet your financial goals.

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Are you interested in refinancing?

Refinancing can reduce your monthly mortgage payments, shorten your loan term, or help you tap into your home's equity for other expenses. Discover the benefits of refinancing and see how you can save money and gain financial flexibility in the long term.

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Do you want to build a custom home?

Building a custom home allows you to personalize every aspect of your living space. Whether you already have a lot or need help finding the perfect location, we can assist you with everything from financing to construction. Learn about construction loans and how we can help bring your dream home to life.

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Are you interested in a reverse mortgage?

If you are 62 years or older and looking for a way to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills, a reverse mortgage might be right for you. Gain financial independence and secure your lifestyle during retirement.

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Our Hassle-Free Mortgage Loan Process

Down Payment Assistance Loans

Down payment assistance loans are designed to help first-time homebuyers or those who haven't owned a home in the past three years with funds needed for a down payment and closing costs. Various programs offer grants or low-interest loans that may only require repayment once the home is sold or refinanced.

Conventional Loans

Conventional loans are mortgages not insured or guaranteed by the federal government. Conventional loans often require higher credit scores and larger down payments but offer flexible repayment terms and competitive interest rates.

USDA Loans

The U.S. Department of Agriculture sponsors USDA loans. These loans aim to aid rural homebuyers who meet specific income criteria. They offer zero down payment, reduced interest rates.

VA Loans

The U.S. Department of Veterans Affairs guarantees VA Loans for eligible veterans, active-duty service members, and specific National Guard and Reserves members. VA loans offer significant benefits, including no down payment, no private mortgage insurance, and competitive interest rates.

FHA Loans

The Federal Housing Administration insures FHA loans, popular among first-time homebuyers due to lower minimum credit score requirements and down payments as low as 3.5%.

HELOC

HELOC is a revolving credit line secured by the equity in your home. It works like a credit card, allowing homeowners to borrow against their home equity at a variable interest rate.

Custom Construction Loans

Custom construction loans are used to finance the construction of a new home. They typically cover the cost of building and may convert to a traditional mortgage once construction is complete.

Reverse Mortgages

Reverse mortgages are available to homeowners 62 years and older, allowing them to convert part of the equity in their homes into cash. The loan does not require monthly mortgage payments. Repayment is deferred until the borrower sells the home, moves out, or passes away.

LEARN ABOUT BUSINESS LOANS

Home Mortgage Loan Reviews

Cierra & Jonathan

Jim was absolutely instrumental in our first ever home purchase! He welcomed all of our questions with such warmth and his expertise and respect for our budget made it possible for us to buy the house of our dreams in a market that sometimes felt impossible. We are so grateful to have worked with Him.

Mikahla M.

Jim was amazing and took fantastic care of our mutual clients! He is very communicative and detail oriented, highly recommend!

Tracy H.

I’m always impressed with Jim’s knowledge. If you have questions about home loans and what’s best for you, give Jim a call!

Autumn E.

What more can I say other than how much money he saved me! I went from a mortgage that was drowning me to $800 less per month… That’s beyond HUGE. His whole rate and more secure fabulous rate and more fabulous mortgage payment!

Andrea S.

Jim was very informative in providing details, helping us to select the best loan, and guiding us to the best rate. He walked us through the process of filling out the loan paperwork and was in constant communication throughout the process.

Emma B.

Jim, from start to finish, has been our golden ticket during the process of buying our first home. We met Jim through the homebuyers education class he hosts and we knew right away he was a perfect fit for us. He’s honest, easy to get hold of and efficient. We can’t thank you enough, Jim - you’re the best of the best!

Rachel C.

Jim was very pleasant to work with he understood and worked with all our needs, and made us feel comfortable and confident in our choices. It was a great experience with great communication with everyone involved. We are happy with what Jim provided for us.

Debrah J.

Jim was great to work with. The process was speedy and seamless. We were well informed all along the way.

Mary D.

We have worked with Jim for many years when we purchased our homes or refinanced. He is very knowledgeable about the financial market and transparent. We appreciate that he has our best interest at heart, even if it may not benefit him. Jim is very responsive and we are extremely pleased to have worked with him again on our home loan needs. We absolutely will refer our friends and family to him!

Gerald C.

The outstanding service from Jim and his team was exceptional. The process was painless. And any issues that arose were dealt with quickly and professionally. I will highly recommend.

Tess L.

As first-time homebuyers, we were very nervous about all the complex pieces of this process. Jim was very patient with us and explained everything in detail and answered all our nervous questions with patience and understanding! Could not recommend more!

Jose A.

Jim has been fantastic with us! He has been prompt, honest, professional & a pleasure. I would recommend. 10/10! We look forward to working with Jim for the rest of our lives.

Samantha W.

Jim was amazing, the whole team took care of us and was always there. Thank you!

Adam M.

We had a great experience with Jim. We started in a home buyers class in June, 2016, and he coached us several times even before we were actually ready to buy. He told us exactly what to do, and when and how to do it. He was always available to meet when we needed him, including after regular business hours.

Brian F.

Jim was so responsive and extremely patient with all our questions. And the best part was that there weren't any negative surprises! We will certainly refer others to Jim.

Britt J.

From start to finish Jim has helped us every step of the way. We had many, many questions that he was more than happy to walk us through. We highly recommend using Jim Eyre and his team.

Matthew W.

Jim has been incredibly helpful and a pleasure to work with through the entire process, not only with paperwork, but also personally. Thank you so very much!