Something else?
Condos, second homes, construction, or a situation nobody has a checkbox for. With 170+ lenders, there is almost always a program. Ask.
Ask JeffServices · One Broker, Every Loan Type
One broker. 170+ lenders. Every stage of ownership.
Most lenders sell the few products their company offers. As an independent mortgage broker, Jeff shops your file across the wholesale market and brings back the programs that actually fit: first-time, move-up, refinance, investor, and self-employed.
Fig. 01 · The home you are actually buying into
Free Resource · No Email Required
Start with the General Homebuyer Guide.
The same plain-English walk through the buying process Jeff shares with clients, from pre-approval to the closing table. Free to download.
Loan Programs
Built for where you are in life.
Every program below has its own page with the current 2026 loan limits for Clark County and the Portland metro, the minimum credit score and down payment requirements, and answers to the questions buyers ask most. Pick a program and see the details.
FHA Loans
Government-backed with as little as 3.5% down and forgiving credit guidelines, the classic low-down-payment path for first-time buyers.
3.5% down · 580 credit · $701,500 limit
View program detailsVA Loans
For veterans, active-duty service members, and eligible spouses: zero down payment, no monthly mortgage insurance, and a benefit you can use again.
0% down · no monthly MI · $832,750 limit
View program detailsJumbo Loans
For homes above the 2026 conforming limit of $832,750, jumbo financing at wholesale rates, so the bigger the loan, the sharper the pricing.
Above $832,750 · 10-20% down · 680+ credit
View program detailsDSCR Loans
For investors: the property's projected rental income, not your W-2, is what gets you approved. If the numbers work on the property, we find the lender who underwrites it that way.
0.75/1 ratio · rent-based approval · no W-2
View program detailsBank Statement Loans
For self-employed buyers, your business bank statements can stand in for tax returns and show the income that actually comes in.
12-24 months of statements · 620+ credit
View program detailsUSDA Loans
Zero down for eligible buyers in qualifying rural and suburban areas, with fixed rates and a loan that works like a conventional mortgage.
0% down · income limits · $142,750 limit
View program detailsDown Payment Assistance
Pair an FHA or conventional loan with grant and assistance programs that cover part or all of your down payment and closing costs.
Grants & second loans · closing cost help
View program detailsConventional
Conventional loans with as little as 3% down, a credit score at 620 or above preferred, and scores under 620 approved case by case.
3% down · 620+ credit preferred · sub-620 case by case
View program detailsBank vs. Retail Lender vs. Broker
Where the savings show up.
Every lender wants your business. The difference is how many products they can actually show you, and how much competition your file attracts.
Channel 01
The Bank
Lends its own money at its own retail rates, with the branch network and marketing overhead priced in. Convenient, but you get the one or few products it offers, at rates set once for everyone.
Channel 02
Retail Lender
The same single-company model without the branches: its own money, its own rate sheet, a limited set of programs. Often better service than a big bank, still one shelf of products.
Channel 03
The Broker
Shops your file across 170+ wholesale lenders who compete for your business. More programs, sharper pricing, and one person who explains every option in writing.
Fig. 02 · 170+ lenders, one client
What competition does for you
When dozens of wholesale lenders compete for your file, two things happen. Pricing gets sharp, because each lender knows you have options. And programs get creative, because the lender who fits your situation best wins the business.
That is how a broker saves clients thousands over the life of a loan: not with a magic formula, but with a market full of lenders doing what markets do, competing for your business.
Read the full explainerThe Process
Four steps, fully explained.
01
The conversation
Book a call. We talk through your income, your goals, your timeline, and any questions you have been carrying. No credit check, no pressure, no jargon.
02
Pre-approval
You gather documents, we review income, assets, and credit, and you get a real pre-approval letter with a number you can build an offer around.
03
Shop & lock
Once you have an accepted offer, we shop your file across the wholesale market, compare options in writing, and lock your rate at the right moment.
04
Clear to close
Appraisal, underwriting, and every requirement tracked together. The first time you hear "your loan is cleared to close," it will not be a surprise.
After the Close
The relationship does not end at the closing table.
Annual financial check-ins
Your mortgage does not end at closing. We review your loan, your equity, and your goals once a year, so the strategy stays current.
Home equity & market updates
Regular updates on what your home is worth and what is happening in your market, in plain language, no spam.
A trusted network of professionals
Realtors, CPAs, financial advisors, and more. When you need a specialist, you get a referral from someone you already trust.
Questions before you call? The FAQ covers costs, payments, documents, and the process in plain language.
Read the FAQTell me where you are, I'll show you the path.
The first call is free, it is pressure-free, and you will leave with real numbers and a clear next step.