Lease Option & Owner Financing Homes in Thurston 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
Thurston County sits at the south end of Puget Sound, where I-5 meets US-101. It's home to the state capital in Olympia, the growing cities of Lacey and Tumwater, and quieter communities like Yelm, Tenino, and Rochester. It's also our home base: EZ Home Path is headquartered in Lacey.
Why Lease Options and Owner Financing Work Here
Thurston County has steady demand, with state government, healthcare, and nearby Joint Base Lewis-McChord as major employers. That steady demand can make it hard to compete for a home if you can't get a bank loan today.
A lease option lets you move into a home now, lock in the purchase price, and use the term to get mortgage-ready while you live there. Owner financing skips the bank entirely: we act as the lender, verifying income and ability to pay instead of using a credit-score cutoff.
Thurston County also includes rural property and homes on acreage in the south and east county, which can be harder to finance conventionally. Owner financing can be a practical fit for those properties.
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 Thurston County
- OlympiaThe state capital and county seat, on Budd Inlet at the southern tip of Puget Sound.
- LaceyOur home base, just east of Olympia along I-5, near the Nisqually Reach.
- TumwaterSouth of Olympia along I-5 and the Deschutes River.
- YelmIn the southeast part of the county along SR-507, with views toward Mount Rainier.
- Tenino and RainierSmall towns in the south county with a more rural setting.
- Rochester and LittlerockUnincorporated communities in the southwest county, off US-12 and I-5.
Thurston County Questions
Do you have homes in Olympia and Lacey?
Our available homes change over time. Start your buyer profile and we'll tell you what's available in the Olympia, Lacey, and Tumwater area that fits your budget.
Can I use a lease option to buy in Thurston County if my credit isn't ready?
Yes. That's what a lease option is for. You live in the home under a locked purchase price and use the term to build toward a mortgage. There's no credit-score minimum to get started, but the payment has to fit your real budget.
Do you serve rural areas like Yelm, Tenino, and Rochester?
Yes. We serve all of Thurston County, including the more rural south and east county.
More questions? See our full FAQ.
Nearby Areas We Serve
Looking for a home in Thurston County?
Call or email us to talk through what's available and which path fits you.