William Tuning

AVP / Regional Area Manager   


NMLS: 68476

Choosing the right mortgage lender is important. With so many choices, it is important to work with someone you can trust who can help you make an informed, intelligent decision. That's where William Tuning comes in to help you select the loan that works effectively for you, with the right rates and terms to fit your unique situation. His team and will help guide you through the mortgage loan process to make it as easy as possible for you and your family. Give William a call today to see how he can assist you with buying or refinancing the home of your dreams at (360) 539-4687.

William has been in the mortgage business for over 24 years, and still gets excited when he can help a borrower buy the home of their dreams, reduce a mortgage payment by hundreds of dollars, or just make the mortgage process a little easier for a new borrower. He has lived in the Olympia Washington area for over 20 years, and his family has been in this area for over 40 years. He brings a wide variety of experience to the table, from working in Senior Management, Credit Unions, Community Banks through working as your local Home Lending Officer, but his absolute favorite opportunity is working with borrowers directly to help them finance the home of their dreams!

He is proud to be part of Geneva Financial, LLC, your local mortgage lender located in Olympia, Washington. William loves being part of a team where their sole focus is providing borrowers with the best experience possible - on time with no surprises - and he is looking for others to join his team at Geneva Financial, LLC.

As the AVP & Regional Area Manager for Geneva Financial, LLC, William is focused on recruiting other lending professionals who are interested in making the American dream of homeownership possible throughout the Pacific NW as Geneva Financial, LLC continues to grow with a focus and commitment to provide exceptional service to our borrowers, employees, loan originators and branches, as well as the Real Estate community.  Geneva Financial, LLC, has experienced steady and continuous growth and we attribute our success to innovative, modern business practices and one simple philosophy ― “Helping You Navigate Your Way Home”. Contact him today; he would love to chat about the opportunities available here at Geneva Financial, LLC.


Testimonials from Clients

For me, applying for a mortgage or re-fi is right up there with having a tooth pulled. However, working with William, the process has always been seamless, quick, perfectly customized and extremely affordable, with no laughing gas needed. William is a true professional and we recommend him highly.”

 Stephen & Celeste Daniels-Brown of Olympia, Washington

 “Our Experience with William Tuning was awesome! It was really great to work with a company who was consistently on top of things. It made our first time home buying experience enjoyable. We appreciate everything William Tuning did for us, and we recommend his services to everyone we know who interested in purchasing a home!”

C. & A. Wilson

Dear William:

You have gone “above and beyond” to help us in our efforts to move, and in timeliness in the face of adversity (of hurricane proportions)!

Thank you for all that you have done for us. We certainly do not know all the behind-the-
scenes work that had to be done by you and your business associates, and we can only imagine what patience, expertise & understanding you had to have for our benefit, but we are grateful. We hope your future will be bright and gratifying in all you do.

Very Sincerely,

Marcus & Dianna Hall

“Without all of your kind words and encouragement, I am not sure I would have made it through the home buying process. I love my new home, and know that you greatly helped me get it by working with locking in my interest rate at the perfect time.


Thank you again.”  T.  Hawks

sm family-toddler-hapy-happy-160688.jpg

“William Tuning and his company made this refinance a very pleasant experience, they don’t get any better”.

Leona L. & Arthur G. Wallace

William Tuning saved the day!  I had a client who needed a loan fast to save losing the house.  I made a call to William and within a week we were off to closing, with a great rate I might add! His professionalism, knowledge and customer service combined with a great personally is one of the best in the business.  I would recommend William over and over; he’s on the top of my referral list.

Darlene Sozinho, Realtor   Windermere Real Estate

Direct – 206.914.2239       www.liveseattlestyle.com

“We appreciate what a smooth process this was.”

Cathy Miller


I wanted to THANK YOU for all the hard work you have put into this file. You are a wonderful loan officer and your clients are lucky to have you working for them. It was a pleasure on my side as well.

Thank you William!

Jennifer Patrick Branch Manager / Limited Practice Officer

First American Title    

401 Parkplace Center Ste#100 Kirkland WA 98033

Ph: 425-576-0600


William Tuning was professional and friendly – very easy to deal with.

“Our home buying experience with William went off without a hitch.  Our interest rate was actually a little lower than expected so needless to say, we were pleasantly surprised.  William Tuning was professional and friendly – very easy to deal with.  We would use William again without hesitation.”

C. Wallace

I received prompt service, my questions were answered, and I obtained full range of options to choose from. A refreshing change from my previous encounters regarding my mortgage refinances”.

Carol Middleton

We would highly recommend using William Tuning. We have done two refinances with them and both times the process went very smooth and quick.  The ability to do all the paperwork electronically is wonderful when you are busy like we are.  We found William Tuning to be highly professional and wonderful to work with.  He was very flexible with us when we were unsure of the final amount for our last refinance – letting us decide in the last week of the process.  This allowed us to lock in a great interest rate while we were finalizing our financial needs.  I will repeat my first statement:  We highly recommend William Tuning”.

Barbara & Harold Burris

"Thank you for your help – it was the easiest refinance we have ever done. Pleasure working with you!"

Myrna and Terry Beebe

"Thanks for everything. You were a pleasure to work with. We would recommend you with great confidence. Have a great weekend."

 Jynelle and Kyrod




An interview with William Tuning by Thurston Talk Editor

William Tuning Helps Families Achieve Home Ownership

William Tuning is a wealth of knowledge. People find him by referral. Their friends or a family member recommend William Tuning for a mortgage loan and after a conversation, they quickly learn that he knows his stuff . He talks eloquently about different loan options suitable for their situation and provides helpful advice that other mortgage bankers may have overlooked.

But, what’s more important is his passion for helping people achieve homeownership. He mentions this goal of ten and shares stories of how couples started as customers but became friends through the process.

As a mortgage banker for 18 years, Tuning has purposefully chosen this path as his career. “When I was a kid, I only wanted to be a farmer or a banker. My grandfather was a partner in a little bank in a small town. When I was older I used to visit the bank and watch the employees make deals and shake hands with their customers with their word being golden. I apply that same approach to my business dealings,” describes Tuning.

Tuning’s career began in mortgage lending as a mortgage banker serving primarily credit union clients. He then spearhead an effort to create a local credit union mortgage program and later joined a community bank as VP of Mortgage Operations. He was surprised at the difference in lending decisions between not-for-profit organizations (credit unions) and for-profit banking institutions.

His mortgage banking career has progressed through the years starting as a loan officer, a supervisor within one year of starting his career, and eventually moving up to the Vice President of Mortgage Lending role. “Even as I rose through management and became a VP, I still had customers wanting me to do their loans,” he says with a smile.

“After being in a management role for a number of years, I realized that I wasn’t actively interacting with customers. That’s where my love is – taking an active role in helping people achieve home ownership,” reflects Tuning.

In 2005, he stepped out of the corporate banking role and returned to direct lending, primarily serving credit unions and the community bank marketplace. “My true passion is helping people face-to-face to achieve the dream of home ownership,” he says.

Tuning is now an active member of Geneva Financial, LLC  Olympia Pacific Northwest, NMLS#2297.

Through Geneva Fi, Tuning is able to offer a personalized service but has the latitude to run his business in the manner that he wishes. Through the larger institution, he has access to programs and capital that he may not otherwise be able to reach in a smaller organization.

Tuning’s loans are processed locally out of his business office in West Olympia. Customers appreciate the timely service. “Turnaround times (on a mortgage loan decision) are significantly shorter than at big banks or a huge credit union that serves 100’s of thousands of members,” notes Tuning.

It’s the small town service and accessibility that Tuning provides to his mortgage loan customers. He welcomes customers to email or text him with questions. “Loan officers at many banks and many of the huge credit unions go home at 5:30 pm. Who will answer your question over the weekend?  I carry my phone and communicate with customers so that you don’t have to wait until Monday morning. I know that a quick response can make a difference in a couple’s life over the weekend,” describes Tuning.

“In the middle of a transaction, you want to be able to talk to someone. I call people back within 2 hours and quickly respond to emails,” says Tuning when describing his relationship with his customers. He doesn’t want his customers worrying about the details and wants to be accessible so that he can promptly answer questions or respond to concerns.

Tuning’s mission to get families into a home is coupled with a conservative approach. While reviewing a couple’s financial standing, Tuning also advises customers beyond simply the monthly mortgage payment. “As a lender, I look at debt ratios related to credit cards, student loans, and car loans. But, then I go further and educate customers on the true cost of home ownership,” explains Tuning.

For example, a couple may be able to qualify for a $250,000 mortgage, but then what happens when the heater breaks or the hot water tank needs to be replaced. “I try to make sure that customers are ready for the unexpected expenses associated with home ownership,” he says.



“I frequently hear comments like ‘thank you for preparing us so that we had a little extra money in the savings account,’” Tuning adds. “Some lenders don’t take the time to tell the customer these things, especially when dealing with young people. These are individuals that are going to be my customers for life, if they are prepared correctly.”

Tuning’s caring nature, coupled with his firm understanding of mortgage loans, makes him an ideal match for Thurston County families looking for a home loan. He continually focuses on helping families make solid decisions so that they achieve their dream home. “That’s why you get into the business – for the relationships,” Tuning summarizes.