Mortgage Loans in Thurston County, Washington
Thurston County — home to Olympia, Lacey, and Tumwater — sits just south of Pierce County and offers buyers a different price profile. Confirm the current FHFA county conforming limit before shopping, as it may differ from the high-cost Seattle area figures.
Thurston County conforming loan limits
FHFA sets conforming limits per county. Loans above the limit are jumbo.
The 2026 county-specific FHA figure is not yet confirmed — verify in HUD's FHA Mortgage Limits database before applying. Limit applies to the loan amount, not the purchase price.
Market snapshot
Verified market data for Thurston County is not yet published here. Review recent comparable sales through a licensed real estate professional and confirm current FHFA county limits before estimating affordability.
Serving these communities
Olympia, Lacey, Tumwater, Yelm, Tenino
NEXA Lending, LLC is a private mortgage lender/broker and is not affiliated with, endorsed by, or acting on behalf of FHFA, HUD, FHA, VA, USDA, Fannie Mae, Freddie Mac, or any government agency. Reviewed 2026-10-07.
Loan programs in Thurston County
Peter offers the full range of mortgage programs to qualified borrowers in Thurston County.
FHA Loans
3.5% down, credit scores from 580
Learn moreVA Loans
0% down for Veterans & active duty, no PMI
Learn moreConventional Loans
Competitive rates, PMI drops at 20% equity
Learn moreJumbo Loans
Financing above the conforming limit for high-value WA homes
Learn moreUSDA Loans
0% down in eligible rural Washington areas
Learn moreDown Payment Assistance
WA state & Pierce County grant programs, may never need repayment
Learn moreBank Statement Mortgages
Qualify using business bank statements, not W-2s
Learn moreSelf-Employed Mortgage Options
Flexible qualification beyond traditional W-2 income
Learn moreITIN Mortgages
Financing for borrowers with an Individual Taxpayer ID
Learn moreForeign National Mortgages
Financing for non-U.S. citizens buying Washington property
Learn moreAsset Depletion Mortgages
Qualify using qualifying liquid assets
Learn moreConstruction-to-Permanent Loans
Build a home in Washington with one streamlined loan
Learn moreFHA 203(k) Renovation Loans
Buy and renovate with one FHA-insured loan
Learn moreHomeStyle Renovation Loans
Conventional renovation financing for Washington homes
Learn moreManufactured Home Loans
Financing for manufactured and mobile homes in Washington
Learn moreDSCR Loans
Investment properties qualified on rental income, no W-2
Learn moreBridge Loans
Short-term financing between buying and selling
Learn moreFix-and-Flip Loans
Short-term capital for Washington rehab investors
Learn moreReverse Mortgage
For homeowners 62+, access equity and stay in your home
Learn moreHELOC & Home Equity Loans
Access your home equity without replacing your first mortgage
Learn moreMortgage Refinancing
Lower your rate, change your term, or access equity
Learn more