Lease Option & Owner Financing Homes in Grays Harbor County
Move in now with a lease option, or buy with owner financing. No bank underwriting and no credit-score minimum.
- No bank underwriting
- No credit-score minimum
- Lease option & owner financing
Grays Harbor County sits on the Washington coast, around the Grays Harbor estuary. It runs from the beach towns of Ocean Shores and Westport inland along US-12 and SR-8 to Elma and McCleary, toward Olympia, and north toward Lake Quinault and the Olympic Peninsula.
Why Lease Options and Owner Financing Work Here
Grays Harbor has a wide range of properties: older homes in Aberdeen and Hoquiam, rural homes and acreage inland, and coastal homes in Ocean Shores and Westport. Older homes, coastal homes, and rural property can all run into extra hurdles with a bank loan.
Owner financing works around those hurdles. We act as the lender, verify your income and ability to pay, and write terms that fit the property, with no bank underwriting and no credit-score minimum.
If you're working toward a mortgage, a lease option lets you move in now with a locked purchase price and use the term to get ready.
Want the full details first? Read how a lease option works or how owner financing works.
Start Your Buyer Profile
Take the first step toward owning your home. Start your buyer profile and we'll follow up to walk you through your path to homeownership.
Areas We Serve in Grays Harbor County
- Aberdeen and HoquiamThe harbor's twin cities, where US-12 meets US-101.
- MontesanoThe county seat, east of Aberdeen along US-12.
- Elma and McClearyEast county towns along SR-8, an easy drive to Olympia.
- Ocean ShoresOn the North Beach peninsula, along the Pacific coast.
- WestportOn the south side of the harbor entrance, along SR-105.
- Cosmopolis and OakvilleSmaller communities along the Chehalis River.
Grays Harbor County Questions
Do you have homes in Ocean Shores or Westport?
Our available homes change over time, including on the coast. Start your buyer profile and we'll tell you what's available that fits your budget and area.
Can I buy an older home with owner financing?
Often, yes. Because we're the lender, the terms aren't tied to a bank's property condition rules. We'll be upfront about the home's condition before you commit.
Do you serve Elma and McCleary?
Yes. We serve all of Grays Harbor County, from Elma and McCleary out to the coast.
More questions? See our full FAQ.
Nearby Areas We Serve
Looking for a home in Grays Harbor County?
Call or email us to talk through what's available and which path fits you.