Ella Owens
Senior Loan Officer
A little about me...
With over 20 years of experience in the mortgage industry, I have had the privilege of helping clients navigate one of life’s biggest financial decisions. As a Senior Loan Officer based in Washington State, I specialize in VA loans and Reverse Mortgages—two powerful tools that can provide flexibility, stability, and peace of mind to the clients I serve.
My approach is simple: build lasting relationships and make the loan process as transparent and seamless as possible. Whether you are a first-time buyer, a veteran looking to take advantage of your hard-earned benefits, or a seasoned homeowner exploring the possibilities of a reverse mortgage, I am here to guide you every step of the way with honesty, clarity, and care.
NMLS #89597
"Homeownership turns stability into opportunity, and a house into a future."
-Ella Owens
Looking to buy your first home but worried about the down payment or strict requirements?
Government-backed loans, like FHA and VA loans, are designed to make homeownership more accessible. FHA loans offer low down payment options and flexible credit guidelines, while VA loans provide exclusive benefits for qualified veterans, active-duty service members, and their families. These programs can open the door to homeownership when traditional loans feel out of reach.
FHA Mortgage Loan Features
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Low down payment
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Flexible credit approval
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Assumable loan option
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For first-time or repeat buyers
VA Mortgage Loan Features
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Up to 100% financing— $0 down payment for qualified borrowers
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No monthly PMI
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Lower interest rates
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Exclusive for veterans & service members
Reverse Mortgages For Those 62 and Older
Discover how a Reverse Mortgage can open new possibilities for homeowners 62 and older in Spokane, WA. With more than 20 years of experience, I’ve helped many people use the equity in their homes to improve retirement, cover unplanned costs, or simply enjoy more financial flexibility. Reverse Mortgages are designed to give you options—whether that means supplementing income, protecting savings, or funding personal goals. My role is to walk you through the process and make sure you understand how this tool can fit into your overall retirement strategy.
Non-Qualified Options
I believe your homeownership journey should be as individual as you are. Say goodbye to the one-size-fits-all approach! Our Non-QM (Non-Qualified Mortgage) and non-conforming programs are the game-changer you've been searching for—exceptional alternatives to standard loan options that may not quite match your current situation.
Borrowers with:
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No W-2
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No tax returns
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1099s
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Bankruptcy, foreclosure, short sale, forbearance, or deed-in-lieu
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No Social Security number
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No proof of employment
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No income
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Significant assets
Client Profiles:
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Self-employed
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Business owners
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Recent credit events
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Financially affected by COVID-19
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Jumbo borrowers
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LLC owners
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Works outside US
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Property investors
Let’s work together to find the right solution for your unique needs and create a smooth path forward.
NO OBLIGATIONS
Request a Consultation
It all starts with a conversation
Get expert advice from a local and friendly company.
CONTACT ME
ADDRESS
OFFICE HOURS
PHONE
1804 W Union Ave, Suite 202, Tacoma, WA 98405
Monday to Friday
9:00 am - 5:00 pm
360-649-2477