Federal Way , WA

Let’s talk! Contact me now

Let’s talk! Contact me now

TJ McGrath

Phone: 253-381-8950
Fax: 253-295-4839
E-mail: tmcgrath@bayeq.com

Federal Way Branch
500 South 336th Street, Suite 101
Federal Way , WA 98003

TJ McGrath

Loan Officer

T.J. McGrath is a dedicated loan officer with over 20 years of experience in residential mortgage lending; he is recommended by some of the most talented Realtors and financial professionals of the greater King and Pierce County areas.

T.J. graduated from the University of Washington in 1997 with a Bachelor of Arts in Business Administration and Finance. His education is complemented by his experience in the U.S. Army where he served as a Russian linguist for 9 years. 

T.J. has a vast array of product knowledge and broad experience originating all types of loans to include FHA, VA, USDA, Conforming, Non-Conforming, and Jumbo. He is dedicated to helping his clients reach their goals whether they are purchasing their first home, upsizing to a new home or looking to buy investment property. He listens to his clients and customizes a financing solution that best suits their needs. 

Whether a first time buyer, a seasoned investor, a Realtor, or a financial professional....T.J. would love the opportunity to earn your business.


Let’s talk! Contact me now

“I don't even know where to start! Our whole process began with us seeing if we could refinance our home to lower the mortgage payment of a home that was "locked" into home mortgage moderation contracts, too small for us and one, we didn't like. After some digging, he offered the idea of asking our mortgage company if we could sell the house. To our amazement they said YES and we sold the house! TJ worked hard to help us get everything in proper order to set us up for the best type of loan, when we found our next home. He worked VERY hard with us, explaining everything and answering every big or silly question we had for months on end. When we finally found our forever home, we were so far ahead of the process that our progress appealed to the sellers and set us up for quick closing! Every step of the way, he was there working hard, offering help and even words of encouragement if we felt uneasy about anything! I cannot rave enough about his work ethic and compassion! We will be lifelong clients of TJ's and wouldn't recommend anyone else to our family, friends or even strangers! I promise you will NOT be disappointed! Thank you, TJ, for everything you have done for us!”

Riley M. & Jessica B.

“TJ, You are the best! Cannot thank you enough for being there for us through this whole process. We sold our first home by owner so this is all new and WOW! Never. Would. Have. Thought. So for that, again, Thank You for ‘all’ the returned calls, working with us on weekends, and being so very patient with us, by answering all our questions and requests! We greatly appreciate you!”


“We were thrilled to have TJ, Navy and their team working on our behalf during our loan process. It really felt as though we had our own team of professionals going to bat for us. Ours was not an easy loan to close and they really made it a priority to make this happen for us. We are beyond thankful and cannot recommend this group enough!”

Jared & Shannon G.

“TJ & Navy, Thank you so much for all your hard work, time and effort!! I really appreciate you making this happen for me for my first home! You two were amazing! I will definitely recommend you and Bay Equity to anyone! Thank you again.”

Jeff M.

“ I was in the market to purchase a house mid-August. Bay Equity Home Loans was referred to me by a close friend who put me in contact with TJ. He promptly got the process going right after a short phone "interview". He was able to provide a realistic and pending "pre-approved" budget to work with based on my needs and wants- aligning it with my financial situation, credit, and employment history. He also referred me to a Real Estate Agent since I didn't have one and the house hunt began. TJ and his Team explained the entire process along the way and was completely transparent. They also took the time to check in frequently to ensure I didn't have any unanswered questions, needed clarification, or was uneasy about anything included in the process. After a couple days of searching and within a month, I was able to find a house, sign, and close... Keys in hand to my dream home a month+ later after the whole process started. They way exceeded my expectations! I would definitely recommend TJ, Navy, and Bay Equity to my family, friends, and co-workers. Give them a shot... You won't be disappointed.”


“Thanks so very much for helping us refinance our home! We really appreciate all of the guidance and clarity you were able to provide throughout the process. We’ll be sure to pass your name along to anyone we come across that could use your help. Thanks so much!”

Theresa & Hayden

“TJ, Thank you so much! You were a consummate professional throughout the whole process and we appreciate all of your help. We will definitely keep you in mind for our future purchases!”

Bill Finnerty