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Home Equity Loan Specialists in Graham, WA

Compare home equity loan specialists in Graham. Review contact information and insurance categorys before you decide.

2 agents listed
Updated June 2026
Graham, WA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Washington before hiring.
Showing 2 home equity loan specialists in Graham, WA Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
America's Credit Union - Graham Branch
9921 224th St E, Graham, WA 98338
(253) 964-3113 youracu.org
Sierra Pacific Mortgage
10305 196th St Ct E Suite C, Graham, WA 98338
(800) 447-3386 spmc.com

A home equity loan specialist in Graham, Washington can help you access the equity in your home for major expenses or debt consolidation. Washington state law requires lenders to follow specific disclosure rules under the Consumer Loan Act (RCW 31.04). Working with a local specialist ensures you understand the terms and regulations that apply to Pierce County properties.

What Does a Home Equity Loan Specialist in Graham Cost?

Typical costs for a home equity loan in Washington include an origination fee of 0.5 to 1.5 percent of the loan amount, an appraisal fee of 300 to 600 dollars, and title search fees of 150 to 400 dollars. Closing costs often total 2 to 5 percent of the loan amount. Some lenders may charge a prepayment penalty if you pay off the loan early. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What is a home equity loan and how does it work in Washington?
A home equity loan lets you borrow against the value of your home, typically as a lump sum with a fixed interest rate. In Washington, lenders must comply with RCW 31.04, which sets limits on fees and interest rates for consumer loans. Your home serves as collateral, so you risk foreclosure if you fail to repay.
What are the requirements for a home equity loan in Graham Washington?
You generally need at least 15 to 20 percent equity in your home, a stable income, and a good credit score. Washington law does not set a minimum equity amount, but most lenders require a loan-to-value ratio of 80 percent or less. You must also provide proof of homeowners insurance and property tax payments.

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