Headshot of Kayla Racus

Kayla Racus

Loan Officer

Lacey, WA Mortgage Lender

NMLS #2018215

Adress
2533 Marvin Road NE, Suites D & E
Lacey, WA 98516
Contact Methods
Email
mobile Mobile
(509) 435-1563
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Kayla

As a dedicated mortgage expert, I’m committed to providing reliable guidance that ensures a secure path to your homeownership goals. I truly enjoy educating my clients through their home financing journey, making it a smooth and seamless process. With a commitment to transparency, personalized guidance, and a wealth of experience in navigating the trials and tribulations of getting a home loan, I’m on your team – turning homeownership dreams into a reality!

Before joining the mortgage industry, I worked at Madigan Army Medical Center as well as Human Resource Command on Joint Base Lewis-McChord. I’m a seasoned Military Spouse to an Active-Duty Army Green Beret. Very familiar with the challenges of the Military lifestyle, I’ve experienced many CONUS and OCONUS moves and now strive to make the process effortless for my homebuyers.

My favorite Military location was Okinawa, Japan, but I was originally born and raised right here in the Pacific Northwest. When I’m not at work, you can find me spending time with my husband, three boys, and our retired Military working dog. I absolutely love spending summers on the lake and winters in the mountains with my family!

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Image of a man using a saw while doing a home improvement project.
    Published on

    Loans For Home Improvement

    Discover how to finance home improvement projects with ease. Learn about the different loan options available, qualification requirements, and the application process.

  • Couple sitting together on couch researches a cash-out refinance loan on their cell phone.
    Published on

    What Is A Cash-Out Refinance Loan?

    Unlock your home's equity with a cash-out refinance loan. Get funds for renovations or debt consolidation. Learn how it works and if it's right for you.

  • Man sitting on couch reviews financial records to help calculate his debt-to-income ratio (DTI).
    Published on

    How to Calculate Debt to Income Ratio

    Learn how to calculate your Debt-to-Income Ratio (DTI) to assess your financial health for loans. Discover tips to lower DTI and secure better loan terms.

  • Garden featuring a mix of flowers that flourish in the homeowners plating zone.
    Published on

    What Planting Zone Am I In?

    Find your USDA Plant Hardiness Zone to select plants thriving in your climate. Explore plating zones from Alaska to Puerto Rico for a flourishing garden.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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