No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!
Over 30 years of mortgage experience!
As your mortgage balance goes down, your ownership goes up
Use equity to renovate, consolidate debt or fund a life event
It’s an investment where your money works for you over time
Your home is more than the place you live
Reach out to see how your home could work for you
Local Experts
Your hometown mortgage experts
First-Time Home Buyers
Buying your first home? We offer the guidance you need to get started.
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Mortgage Walkthrough Guide
Get educated! Learn exactly what occurs in every step throughout the mortgage process.
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Mortgage Calculator
How much can you afford? What does that monthly payment look like? Find out here.
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Home Loan Options
We’re here to help you figure out which mortgage best fits your unique financial picture.
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Local Lending Solutions
Spokane's Premier Mortgage Programs
Conventional
Standard home loans offering competitive rates and flexible terms for buyers with strong credit and steady income.
FHA
Government-backed loans with lower down payment requirements, perfect for first-time homebuyers or those building their credit.
VA
Exclusive, zero-down financing options dedicated to serving eligible veterans, active-duty military, and their families.
Jumbo
High-balance mortgage solutions designed for luxury properties or homes that exceed standard conventional loan limits.
Renovation
Combine your home purchase and remodeling costs into one convenient loan to build your perfect living space.
USDA
Zero-down payment mortgages for eligible rural and suburban properties, making homeownership accessible outside the city limits.
No Income / No Employment DSCR Investor Loans
Grow your real estate portfolio by qualifying based on the property’s projected cash flow rather than personal income.
12/24 Month Bank Statement
Flexible qualifying options for self-employed borrowers using personal or business bank deposits instead of traditional tax returns.
No Income / No Employment Loan Primary Residence Loan
Alternative financing for your main home utilizing asset depletion or other non-traditional qualification methods.
ITIN Mortgage Loan Program
Accessible home financing for individuals purchasing a property using an Individual Taxpayer Identification Number instead of an SSN.
P&L-Only Mortgage Loan Program
Streamlined financing designed for business owners, utilizing profit and loss statements rather than extensive tax documentation.
1099 Mortgage Loan Program
Tailored loan solutions for freelancers and independent contractors, qualifying you based entirely on your 1099 earning statements.
NAF Cash
Turn your offer into a highly competitive all-cash bid to win your dream home in today’s fast-paced market.
One Time Close Construction
Finance your land purchase, construction costs, and permanent mortgage all with a single application and closing process.
Down Payment Assistance
Overcome upfront cost barriers with specialized programs designed to help cover your down payment and closing expenses.
Medical Professionals Mortgage Program
Favorable terms and lower down payment requirements tailored specifically for doctors, nurses, and eligible medical staff.
WSHFC Washington Down Payment Assistance
State-specific financial support providing Washington residents with accessible pathways to achieving homeownership.
IHFA Idaho Down Payment Assistance
Tailored financial assistance programs designed to help Idaho buyers bridge the gap to owning their own home.
The Wells Group
IT'S NOT JUST A HOUSE; IT'S YOUR HOME.
Our team is rated among the best in the nation for a good reason: service, excellence, and dedication to our clients. With over thirty-one years and a wide range of experience in the mortgage industry, our dedicated team stands ready to assist you each step of the way. We understand that it’s not just a house; it’s your home! It is not just a loan; it is an investment in your future! Our mission is to guide you through the entire home loan process so that you feel confident as you make choices about the options available for your financing strategy.
The Wells Group Advantage
Faster approvals
Pre-approval in 24 hours so you can move with confidence.
Tailored loan options
We compare multiple programs to secure the right rate for your unique goals.
Deep experience
Decades of combined expertise across every loan type.
Dedicated advisor
One specialist guides you from application to keys.
Full transparency
No hidden fees. Real-time status updates throughout.
Simple online app
Apply in minutes from any device. Upload on your schedule.
How It Works
Six clear steps to your front door.
We redesigned the mortgage process so every step is visible, predictable, and on your timeline.
MEET THE TEAM
The Team Behind Your Seamless Closing
Laura Wells
Sales Manager
NMLS #330328
Top Producing Loan Specialist
An award-winning premier lender who answers the phone when you need it most. Ready to work for your best interest.
Michele Cantrell
Loan Officer Assistant
NMLS #1127880
Dedicated to exceptional customer service and expert market insight. Ready to guide you smoothly through the loan process with trusted support.
Barbara Lascuola
Sr. Processor
Expertly managing the behind-the-scenes details of your mortgage approval. Focused on speed and accuracy to deliver a seamless, stress-free closing experience.
Tools
Explore Our free tools
Serving You Well
See Why Our Clients Rave About The Journey
“Very helpful and very dedicated people that worked with us extremely hard working team very happy overall”
Kyle S F.Airway Heights, WA
“Laura commands the process through experience and knowledge. Confidence and skill won the day. Yet another great experience buying our home with Laura in the lead.”
Tyler M.Post Falls, ID
“Thanks, everything was good, but working with Michelle was amazing. She was quick to answer all my questions and provided great support. Overall, it was a very good experience.”
Maria V.Spokane, WA
4.9 ★
Average rating
400+
Reviews received
31+
Years experience
#1
Spokane Loan Officer
