Expertise.com

2024

Last updated:

Best Mortgage Brokers in Bend

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bend Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

26Reviewed

18Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2755 NW Crossing Dr, Suite 229, Bend, OR 97703
WebsiteLicense: 1935255

Expertise.com Rating

Review Sources

Google
5.0 (95)
Zillow
5.0 (74)

Why choose this provider?

High Lakes Lending, LLC, works with multiple wholesale mortgage lenders across the country to provide Bend clients with loan programs that match their financial goals. Its team of loan originators has more than 20 years of experience in the industry, educating home purchasers about various loan programs. It carries fixed-rate, FHA, jumbo, and USDA mortgages. In addition to VA loans, the company provides military veterans with ODVA programs with loan terms ranging from 15 to 30 years without the VA funding fee.

  • Refinance

1777 SW Chandler Ave., Bend, OR 97702
WebsiteLicense: 1819034

Expertise.com Rating

Review Sources

Google
5.0 (48)
Yelp
5.0 (9)

Why choose this provider?

Elev8 Mortgage is a local company that assists with the homeownership goals of customers in Bend and nearby areas. It offers multiple types of loans, including jumbo, conventional, FHA, VA, USDA, and self-employed loans. It also provides home equity lines of credit for borrowers seeking to access their home equity for personal purchases. Elev8 Mortgage is led by Dan Williams, who has been helping clients integrate personal financial goals into their mortgage plans for over 25 years.

  • Refinance

15 SW Colorado Ave, STE 120, Bend, OR 97702
WebsiteLicense: 2297919

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

All Seasons Mortgage works with homebuyers, builders, and real estate professionals in Bend. The mortgage brokerage firm offers purchase, construction, and refinancing loans, including VA, FHA, fixed-rate, and hybrid mortgages. Its lending specialists also help senior homeowners convert part of their equity into cash. The family-owned business has been operating for 30 years. It leverages its access to multiple lenders to find options that fit the client's needs and qualifications. It also assists clients with credit score repair.

  • Refinance

360 SW Bond Street Suite # 410, Bend, OR 97702
WebsiteLicense: 277334

Expertise.com Rating

Review Sources

Google
4.5 (8)
Facebook
5.0 (8)
Yelp
4.0 (5)

Why choose this provider?

Mid Oregon Lending, Inc., serves people across the Bend metro. It advises them throughout the mortgage application process and offers a variety of loan programs, ranging from USDA and FHA mortgages to conventional loans. It also helps military veterans moving to or residing in Oregon acquire properties through a program from the Oregon Department of Veterans Affairs. The company provides other solutions that enable borrowers to purchase and renovate homes. Carl Salvo, its president, is a member of the Oregon Association of Mortgage Professionals.

  • Refinance

Bend, OR
WebsiteLicense: 138232

Expertise.com Rating

Review Sources

Google
5.0 (55)
Zillow
5.0 (5)

Why choose this provider?

Hixon Lending Co provides mortgage solutions across the Bend metro and the neighboring areas. The company serves first-time homebuyers and seasoned investors seeking assistance in applying for mortgage loan programs suitable to their needs and goals. Some of its loan programs include conventional, renovation, jumbo, condo, and new construction. It also caters to individuals needing high-balance loan options to purchase residences in high-cost areas or neighborhoods. Hixon Lending Co is a Pahlisch Homes preferred lender.

  • Refinance

225 Scalehouse Lp. Ste. 102, Bend, OR 97702
WebsiteLicense: 255566

Expertise.com Rating

Review Sources

Google
5.0 (127)
Facebook
5.0 (10)
Yelp
5.0 (2)

Why choose this provider?

Team Kent Mortgage Loans is a brokerage firm that serves customers in Bend. It offers mortgage financing solutions with different loan types, including conventional, jumbo, VA, FHA, and USDA, for private and commercial clients. It performs strategic planning services for credit restoration and real estate acquisition. Its owner, Shaun Kent, has been in the loan industry since 2004 and is licensed to close transactions in Oregon and Washington. The firm conducts finance-related classes for veterans, Realtors, employees, and high school students.

  • Refinance
  • New Construction

19405 Kemple Drive, Bend, OR 97702
WebsiteLicense: 1246881

Expertise.com Rating

Review Sources

Google
5.0 (69)
Yelp
5.0 (2)

Why choose this provider?

Mountain Mortgage has more than 25 years of experience. It caters to first-time homebuyers and investors in and around Bend. It offers a variety of products such as conventional, jumbo, FHA, VA, and high-balance conforming loans. In addition, the team provides loans for prefabricated houses, either for the purchase or the refinancing of existing mortgages, which may be used for making small improvements or renovations. Mountain Mortgage conducts each process digitally, from application through underwriting.

  • Commercial Loans

115 NW Oregon Ave Suite 7, Bend, OR 97703
WebsiteLicense: 1660690

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (22)
Zillow
5.0 (4)

Why choose this provider?

Team Musco is a local mortgage broker based in Bend. It processes purchase and refinancing mortgages, offering various loan types including fixed-rate, FHA, VA, USDA, jumbo, and cash-out refinance. It also provides loan products for first-time homebuyers, clients looking to renovate their homes, and property investors. Team Musco operates under the banner of NEXA Mortgage. Branch manager Mike Musco, who has been in the industry since 2005, joined NEXA Mortgage in 2019. Musco has experience in the tech industry as well, rendering an eight-year tenure at Microsoft.

  • New Construction
  • Refinance

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.