Let’s Connect

We’ll reach out within a few hours.

No credit pull or commitment required. We never sell your information. By submitting, you agree to be contacted by Alec Dyson and NOVA Home Loans by phone, text, and email, including by autodialed or automated calls/texts, at the number and email provided, for informational and marketing purposes. Consent is not a condition of obtaining any loan or service. Message and data rates may apply, message frequency varies. Reply STOP to opt out of texts at any time.

👋

We’ll be in touch soon.

Alec will reach out within a few hours to walk through your options and what comes next.

If you’re ready to move forward now, you can start the full application below. It takes about 10–15 minutes and will include a credit pull and income verification.

Start Full Application →

Alec will guide you through every step once he receives your info.

Buy your next home
knowing exactly
what you can afford.

No guessing. No wasted weekends. We walk you through your real numbers first, whatever your situation looks like.

FHA • VA • Conventional • DSCR • Down Payment Assistance • & more

Take the Readiness Quiz
35+
Years combined experience
3
Local experts
$0
To get started

How the
process
works

01

Start the conversation

Hit “Let’s Connect” and leave your name, phone, and timeline. That’s it no credit pull, no documents yet. Just enough to get a real conversation started.

02

Complete the full application

I’ll call you to understand your income, savings, and goals. Then you’ll complete the full application. We'll do a credit pull and collect income docs so we can issue an actual preapproval letter.

03

Meet Eduard & start shopping

With your preapproval letter in hand, I introduce you to Eduard Raiter at Raintown Realty. You tour homes you can actually buy and make offers that sellers take seriously in today’s Pierce and King County market.

Payment calculator

See what your monthly payment might look like

These are estimates. I’ll give you the real figures once we talk through your loan type, down payment, and current rates.

Est. total monthly payment
Including est. taxes and insurance
Home price
Down payment
Loan amount
Principal & interest / mo
Est. property tax / mo
Est. insurance / mo
Meet the Professionals

Professionals you can actually call.

Not a call center. From your first question to closing day you work with the same three people, a loan officer, an experienced branch manager, and a top agent who knows Pierce and King County.

Alec Dyson
Loan Officer · NOVA Home Loans

Alec Dyson

Your first call and your go-to through the whole process. Alec helps you figure out which loan product fits your goals, walks you through the numbers, and stays with you from budget to closing.

NMLS 2774960 (503) 400-0526 alec.dyson@novahomeloans.com
Joe Raquiza
Branch Manager · NOVA Home Loans

Joe Raquiza

30 years in the mortgage industry. Joe supports every loan from start to finish and is especially valuable when things get complex. Self-employed borrowers, tricky income situations, tough scenarios. He has seen it all and knows how to get it done.

NMLS 114206
Eduard Raiter
Real Estate Agent · Raintown Realty

Eduard Raiter

Once you’re approved, Eduard takes over. He’s worked with a wide range of buyers throughout Pierce and King County, especially around Puyallup, and he’s skilled at negotiating with sellers to cover some, and sometimes all, of your closing costs.

Raintown Realty
Your loan officer

Hi, I’m Alec. Let’s find out what you qualify for.

I’m a loan officer with NOVA Home Loans. I work with buyers across the board FHA, VA, conventional, and down payment assistance, to navigate the mortgage process and get a preapproval letter in your hand so you can make strong offers.

I partner with Eduard Raiter at Raintown Realty and my branch manager Joe Raquiza, who steps in on complex files and brings serious experience to the table.

Alec Dyson

Common
questions

What is a preapproval letter and why do I need one? +
Preapproval involves a credit pull, income documents, and underwriter review. A preapproval letter shows sellers that a lender has reviewed your financial information and believes you qualify for a home loan. In this market, it is typically required when submitting an offer.
What documents do I need to get preapproved? +
Typically: recent pay stubs, two years of W-2s or tax returns, two months of bank statements, and permission to pull your credit. The exact list depends on your situation. Alec will walk you through what's needed on your first call.
How long does preapproval actually take? +
It depends on how quickly you can provide documents and how straightforward your income situation is. Some files move fast. Others take longer once underwriting is involved. Alec will give you a realistic timeline based on your situation, not a generic promise.
How much do I need for a down payment? +
Depends on the loan type. FHA loans go as low as 3.5% down. VA loans require $0 down for qualifying veterans. Conventional loans can start at 3–5%. We also offer down payment assistance programs specific to Washington. We'll find what fits.
Can I actually afford to buy in Tacoma right now? +
The Tacoma area has homes across a wide price range and there are programs that help buyers who think they can’t qualify. The only real way to know is to look at your actual income and savings. Use the calculator above to get a rough sense, then let's talk.
Why do I need to be preapproved before working with an agent? +
In this market, sellers expect offers backed by a preapproval letter. Without one, your offer won't be competitive. It also means you only tour homes in your actual price range, no wasted time on houses you can't buy.