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Home Equity Loan Specialists in Spokane Valley, WA

Directory of home equity loan specialists in Spokane Valley, Washington. Verify credentials with the state state mortgage licensing authority before hiring.

11 agents listed
Updated June 2026
Spokane Valley, 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 11 home equity loan specialists in Spokane Valley, 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.
Hunter Zier - Canopy Mortgage
11917 E Broadway Ave STE 201, Spokane Valley, WA 99206
(509) 863-7008 zierlendingteam.com
Bo Chalich - Home Loans
17018 E Sprague Ave Ste 104, Spokane Valley, WA 99037
(509) 710-1812
David Kelly | Lesser Lending Group
11917 E Broadway Ave STE 201, Spokane Valley, WA 99206
(509) 749-8587 lesserlending.com
Evergreen Home Loans Spokane NMLS 1748276
2818 N Sullivan Rd Ste.100-1021, Spokane Valley, WA 99216
(509) 209-9873 evergreenhomeloans.com
Shawn Lloyd - Mortgage Professional
2818 N Sullivan Rd Suite 100, Office 56, Spokane Valley, WA 99216
(509) 993-0856 shawnrlloyd.com
Tim Windhorst at HHL Group - NMLS 51277
1227 N Argonne Rd Suite B, Spokane Valley, WA 99212
(509) 599-3095 hhlnorthwest.com
Julia Hansen - CMG Home Loans
2818 N Sullivan Rd Ste 100-1081, Spokane Valley, WA 99216
(509) 717-2103 cmghomeloans.com
Ty Windhorst at Canopy Mortgage (NMLS #934314)
1227 N Argonne Rd Suite B, Spokane Valley, WA 99212
(406) 360-0594 citywidehm.com
BECU Home Loan Center
12111 E Mission Ave A, Spokane Valley, WA 99206
(509) 321-2690 becu.org
Tracy Windhorst- Mortgage Advisor NMLS 487563
1227 N Argonne Rd Suite B, Spokane Valley, WA 99212
(509) 599-3101 canopymortgage.nanolos.com
CMG Home Loans
16114 E Indiana Ave #310, Spokane Valley, WA 99216
(202) 953-9504 cmghomeloans.com

A home equity loan specialist in Spokane Valley Washington helps homeowners access the equity in their property through a second mortgage or line of credit. Washington state law requires lenders to follow specific disclosure rules under the Consumer Loan Act, including a three-day right of rescission for most home equity loans. Local specialists understand Spokane Valley property values and can guide you through the application process.

What Does a Home Equity Loan Specialist in Spokane Valley Cost?

Typical costs for a home equity loan specialist in Washington include an origination fee of 0.5 to 1.5 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and closing costs of 2 to 5 percent of the loan. For a 50,000 dollar loan, total costs may range from 1,500 to 3,500 dollars. 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 does a home equity loan specialist do in Spokane Valley?
A home equity loan specialist evaluates your property value, income, and credit to help you choose between a lump-sum loan or a line of credit. They also explain Washington state requirements, such as the maximum loan-to-value ratio of 80 percent for most conventional loans.
How long does it take to get a home equity loan in Washington?
The process typically takes 30 to 45 days from application to funding in Washington. This includes appraisal, underwriting, and a mandatory three-day rescission period after signing.
Are there specific Washington laws for home equity loans?
Yes, Washington law under RCW 31.04 requires lenders to provide a Truth in Lending disclosure and a right to cancel within three business days. Borrowers also have protections against predatory lending under the Washington Consumer Loan Act.

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