Your Trusted Mortgage Source

We offer both Freddie Mac and Fannie Mae-backed conventional loans with flexible down payment options, including options for first-time homebuyers. Available with or without monthly mortgage insurance, these loans also include renovation financing.
Eligible for primary residences, second homes, and investment properties (1-4 units). Minimum credit score of 620. Conventional loan limits go up to $806,500. These mortgages even allow for single wide manufactured homes on land.

FHA loans are government backed loans with flexible credit and underwriting requirements. No income restrictions, and not limited to first-time buyers. Available for 1-4 unit primary residences with a minimum credit scores as low as 500. Loan limits vary—up, to $713,713 in Deschutes County and $524,225 in other counties of Oregon. These mortgages even allow for single wide manufactured homes on land.

VA Loans are one of the best programs, available for veterans and active service members. No down payment, the most flexible underwriting, no mortgage insurance, great interest rates, and no loan limits. VA loans provide unmatched affordability, and we specialize in offering some of the most competitive pricing available. We can retrieve your Certificate of Eligibility (COE) for you directly through the VA portal to save you some work.
These mortgages even allow for single wide manufactured homes on land.
Borrowers can also use seller funds to pay off debts on VA loans.

We offer no down payment options through the State of Oregon’s Flex Programs, including Home First and Next Step. These state-backed programs provide down payment assistance that can be combined with FHA, VA, USDA, and Conventional loans. Whether you’re a first-time or second-time homebuyer, this is a great way to get into a home with little to no upfront costs. Ask us how we can structure your loan to maximize affordability!

USDA loans provide a great no-down program for rural and eligible suburban areas. Ironically this isn’t for farms or commercial financing. This program is instead to make financing easier for rural areas. This primary residence financing offers lower mortgage insurance than other low down payment loans, but is really strict on debt-to-income limits. Not available in major metro areas like Bend, but eligible in most of Oregon. Household income limits apply.

We offer specialized agricultural loan programs for farms, ranches, and rural properties. Whether you’re purchasing land, refinancing, or expanding operations, we provide financing solutions tailored to agricultural needs. Our programs cover everything from hobby farms to large-scale production, with flexible terms designed to support rural property owners and agribusinesses.

Another FHA loan program, the Home Equity Conversion Mortgage aka HECM is for homeowners 62 and older looking to eliminate their monthly mortgage payment. The amount of equity required depends on your age and home value. Available for purchases and refinances. We’ll guide you through the process and connect you with a required HUD counselor to ensure it’s the right fit.

We offer both FHA 203(k) and Conventional Homestyle renovation loans for purchases and refinances. These loans allow you to finance home improvements, remodels, additions, or repairs into your mortgage. If a licensed contractor can do it, we can likely finance it—great for adding value and making a home your own. Also great for homes that are non-financeable in their current condition. We evaluate on the as complete value and condition.

For borrowers who don’t fit traditional lending requirements. These include bank statement loans for self-employed borrowers, asset-based qualification, and other unique financing solutions. Great for those who need flexibility beyond standard mortgage guidelines. Many programs require a larger down payment and slightly higher rates but offer expanded qualification options.