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James Nesbit
Branch Manager
Phone: (360) 352-9554 ext. 7631
Cell Phone: (360) 556-1469
Fax: (360) 352-9144
Email: james.nesbit@ncmc.com





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Member of The Chairman's Council - an elite advisory group of the top 1% of National City Mortgage Consultants

Member of the Platinum Circle - A group of the most talented, dedicated Mortgage Consultants at National City Mortgage.

Not sure  which loan
 is best for you?
 

Buying a Home Is One of the Biggest Decisions in Your Life!

 

Which Type of Loan Is
 Right for You?
 

We Offer 200+ Products
Click Here for more details


Loan Type

Advantages

Fixed Rate

Interest rates or principal and interest payments that stay the same for the life of your loan - 10, 15, 20 and 30 year terms

Adjustable Rate

Qualify for a higher mortgage and enjoy a lower initial interest rate and payment

Adjustment periods vary depending on which product you choose

Affordable Housing Programs

Great for first-time homebuyers. Little or no down payment required with potentially lower interest rates.

Jumbo Loans

Choice of a fixed or adjustable rate.  Mortgage interest may be leveraged as a tax deduction (Consult a tax advisor on the deductibility of interest.)

FHA/VA Loans

Little or no down payment required.  Great for first-time homebuyers with a choice of a fixed or adjustable rates.   

Programs subject to change without notice.

 

 

 

 

 

 

 

I get a strong sense of satisfaction knowing that I have helped a family purchase their home or refinanced to fulfill another dream.  I have been very successful in getting loan approvals for those who have been turned down by other lenders.  It is really exciting for my team to know we were able to help get our clients a loan approved when no one else could. 

We have more than 200 loan programs to help best fit our customer's financial picture.  I take great pleasure in helping my clients achieve their financial and home ownership goals.  

 

  How Much Can I Borrow?

How Much Will My Payments Be?

Fixed or Adjustable Rate?

How Much for my Downpayment?

 Should I Refinance?

What Are Refinancing Costs?

How Do Extra Payments Help?

What Home Can I Afford?

Obtaining a Pre-Qualification

 Refinancing Options 

 How to Read a Credit Report

 Should I Pay Points to Lower the Rate?

How Can I Repair My Credit?

 Negotiating A Lower Price

 Compare Mortgages

  Bi-Weekly Mortgages

Which is Better - 15 or 30 Years?

Downpayment Assistance

 We Say "Yes!" More Often

Many people are hesitant to inquire about a mortgage.  Many of our loans are approved on the spot during your first meeting. We offer a full range of traditional loans:

  • Conventional Loans
  •  Government programs
  •  No money down programs
  •  Interest only
  •  First time homebuyers programs


The Nesbit Team and I look forward to working with you soon!

Direct Number:   360-753-7631



Contact Information:
Olympia / Tumwater
300 Deschutes Way
Suite 215
Tumwater, WA 98501
Phone: (360) 352-9554 ext. 7631
Cell Phone: (360) 556-1469
Fax: (360) 352-9144
Email: james.nesbit@ncmc.com