Thurston COUNTY · WASHINGTON
Mortgage Broker in Lacey, WA
For a Lacey purchase, price the financing incentive and the property questions separately. A builder credit can improve one written offer, but it does not answer whether a future project is allowed or whether earlier work appears in the permit record.
Mortgage Lending Group LLC serves Lacey from 123 2nd Ave S, Suite 230, Edmonds, WA 98020. Enrique Pelayo Jr, AMP · NMLS #131435 · English & Spanish.
Educational guidance · Updated 2026-10-04 · Our content standards
MORE THAN TWO DECADES OF EXPERIENCE
Enrique Pelayo Jr, AMPFounder of Mortgage Lending Group LLC. Personal guidance for home purchases, refinancing and equity decisions, in English and Spanish. Serving Seattle and nearby communities from Edmonds.
NMLS #131435 · Mortgage Lending Group LLC · CL-1157983
What does the AMP designation mean?
AMP stands for Accredited Mortgage Professional. The Mortgage Bankers Association awards this designation to graduates of its three-course School of Mortgage Banking. It represents additional professional education in the mortgage business.
That education complements Enrique’s hands-on experience explaining costs, choices and the mortgage process. The designation is separate from a state license and does not guarantee approval or a particular rate.
View Enrique’s AMP credential ↗ · MBA program requirements ↗BEFORE YOU CHOOSE A LOAN
Price the loan and the property separately
Request an itemized builder-associated financing offer and a same-day alternative using the same price, loan amount, term and lock period. Compare APR, points, lender credits, lender fees, cash to close and the permanent payment after any temporary buydown. Then use Lacey’s official permit search for the exact address or parcel before relying on an addition, conversion or future project in your budget.
Does a builder credit prove the builder’s loan is the lowest-cost option?
No. It may be competitive, but compare matching written terms and the full cash-to-close figure. A temporary buydown changes the early payment schedule; it is not the same as a permanently lower note rate.
Search the exact address or parcel
Lacey’s permitting resources link to the city portal, zoning map, building codes and protections for wetlands, trees and vegetation. The portal instructions say permit records can be searched by address, permit number or parcel number. Treat the result as a starting point for questions, not an inspection, title report or promise that a future project will be approved.
Before you commit: Before assigning value to an addition, converted room, accessory structure or planned improvement, search the property and ask the city which record or review applies. Keep any unresolved repair or approval cost outside the financing incentive comparison.
City of Lacey permitting resources ↗Source checked 2026-10-04 · Source publication date not provided. This is planning guidance, not a new-policy announcement.
How should I compare a builder-affiliated loan?
Ask for same-day written options using the same purchase price, loan amount, term and lock period. Compare APR, points, credits, lender fees, cash to close and the permanent payment after any temporary payment reduction. A larger credit can be useful, but only after you see which costs or rate assumptions changed.
Compare mortgage rates and assistance in Lacey
Use the same property details, down payment and lock period when comparing Seattle and Washington mortgage rates. Include taxes, insurance, mortgage insurance and any association dues in your budget.
Considering help with closing cash? Read the WSHFC Home Advantage guide and ask a Commission-trained lender to confirm eligibility and participation. Assistance is a separate obligation; compare the repayment terms alongside the first mortgage.
MAKE IT YOURS
Does the monthly cost fit your life?
Put an actual Lacey property alongside your comfort limit. Use a lender estimate for principal, interest and mortgage insurance; add the costs it may leave out.
Fill in all six amounts to see the comparison. Enter 0 only for costs that do not apply.
Planning only. This does not calculate a mortgage payment or determine approval. Estimates can change. These inputs stay in this page and are not submitted or saved.
ALREADY OWN IN LACEY?
Your next move might be staying put.
Before using equity for a Lacey improvement, search the address or parcel in the city permit portal and get a written project scope. Compare keeping the first mortgage with a separate equity loan or refinance using the fees, variable-rate risk and remaining balance at your expected payoff date.
The sample uses fictional numbers. A home-value estimate is not an appraisal, and equity is not automatically available to borrow.
Check the details at the source.
- City of Lacey permitting resources ↗ — starting point for city services and property questions; a mailing address does not establish jurisdiction.
- CFPB: compare loan offers ↗ — compare the full terms and costs.
- Washington Commerce: homeownership resources ↗ — independent assistance and counseling resources.
These resources are independent of Mortgage Lending Group LLC. They do not endorse this guide. Availability, eligibility and property rules require current confirmation.
Explore more of South Sound.
Seattle mortgage broker: loan limits, buyer programs and payment planning →
This is a service-area guide, not a branch-office listing. Mortgage services are provided through Mortgage Lending Group LLC. Educational planning is not a rate quote, commitment, approval or individualized tax or legal advice. Rates, costs, eligibility and values vary. Professional background and licensing.