High Lakes Lending, LLC: Your Local Independent Mortgage Broker
At High Lakes Lending, LLC, we pride ourselves on being your local, independent mortgage broker in Bend, Oregon. We are committed to providing excellent customer service, competitive interest rates, and a wide range of loan programs tailored to meet your needs. Whether you're a first-time homebuyer, a veteran, or looking to refinance, we have the expertise to guide you through the mortgage process.
Loan Programs Tailored to You
We offer a variety of mortgage loan programs, ensuring that whatever your financial goals, we can help you find the perfect solution. Explore our fixed-rate mortgages, jumbo loans, renovation lending, and more, all designed to help you achieve homeownership or refinance on your terms.
Jumbo Loans
For those looking to finance larger homes or properties, we provide jumbo mortgage loans with competitive rates. Whether you prefer a fixed or adjustable-rate mortgage, our jumbo loans are designed to offer flexibility and favorable terms for high-value homes.
Renovation Lending
Considering purchasing a home that needs a little TLC? Our renovation loan programs allow you to finance the cost of home improvements and upgrades. Whether you’re buying a fixer-upper or renovating your current home, we offer renovation loans that can help bring your vision to life.
USDA Loans
For those interested in purchasing a home in rural areas, USDA loans provide a great option with zero down payment. These loans are designed to help borrowers in qualifying rural areas access affordable home financing. With low interest rates and flexible terms, USDA loans are a popular choice for homes in smaller communities.
Manufactured Home Financing
We offer manufactured and modular home financing options to meet the needs of a variety of homebuyers. Whether you are a top-qualified borrower or need a flexible loan program, we provide financing options for manufactured and modular homes, including conventional loans.
Refinance Options: Streamline and Cash-Out
We offer streamline refinance options for VA and FHA loans, which do not require income documentation or appraisals, making it easier to reduce your monthly payments. Additionally, with a cash-out refinance, you can consolidate higher-interest debts or fund home improvements by refinancing at a lower rate.
Fixed Rate Mortgages
Our fixed-rate mortgage options offer stability and predictability. Choose from flexible terms ranging from 15 to 30 years—or even custom terms like 23 or 27 years. With a fixed-rate mortgage, your interest rate and monthly payments remain consistent throughout the life of the loan, giving you peace of mind and helping you budget effectively.
Portfolio / Non-QM Loans
At High Lakes Lending, we understand that every borrower is unique. For clients who require alternative qualifications, we offer portfolio loans and Non-QM (Non-Qualified Mortgage) loans. With these programs, you can qualify based on personal and business bank statements, rather than traditional income documentation.
VA Loans
If you are a veteran, active-duty military, or a military spouse, you may be eligible for a VA loan. VA loans offer zero down payment options, and you can choose between fixed-rate and adjustable-rate mortgage terms. Additionally, there is no loan limit for VA loans with $0 down, making this an ideal choice for qualified borrowers.
FHA Loans
An FHA loan is perfect for borrowers with less-than-perfect credit or those who need more flexible qualifying criteria. Backed by the Federal Housing Administration, FHA loans require as little as 3.5% down and offer favorable terms for both first-time homebuyers and those looking to refinance.
Construction Loans
Build your dream home with our construction loan programs, including One-Time Close Construction loans. We offer jumbo and conforming loans for stick-built homes, as well as conventional financing for manufactured housing. These loans streamline the construction process, so you can focus on creating your perfect home.
ODVA-Oregon Dept. of Veteran Affairs
We proudly offer the ODVA loan, a unique mortgage option for Oregon veterans. This program features competitive rates on both 30- and 15-year fixed loans without the VA funding fee. If you are an Oregon veteran, this is an excellent mortgage product to consider.
Contact Us for Personalized Mortgage Solutions
At High Lakes Lending, LLC, we are here to help you navigate the mortgage process with expert guidance and competitive loan programs. Whether you're looking to purchase, refinance, or renovate, our team is committed to providing low rates and the best customer service in Bend, Oregon, and beyond.
Apply now to get started on your mortgage journey.
Contact us at (541) 848-7472 or visit our contact page for personalized assistance