Why borrowers choose this path.
Whether you're stepping into your first home or upgrading to your forever space, a purchase loan is the foundation. I'll walk you through pre-approval, shopping power, and closing — with transparent rates and zero surprises along the way.
- Pre-approval in as little as 24 hours
- Conventional, FHA, VA, and Jumbo options
- First-time homebuyer programs
- Down payments as low as 3%
- Locked rates while you shop
- Local Oregon market expertise
Built around your goals.
Conventional Loans
Competitive fixed and adjustable rates for qualified borrowers with strong credit.
FHA Loans
Flexible credit requirements and low down payments — ideal for first-time buyers.
VA Loans
Zero down payment options honoring veterans and active-duty military families.
Transparent Pricing
Side-by-side scenarios so you understand every dollar before signing.
Realtor Network
Need an agent? I'll connect you with trusted local pros who know Oregon.
Local Expertise
22 years guiding Eugene and Bend families home — I know this market.
Good to know.
How much home can I afford?+
It depends on your income, debts, credit, and down payment. A pre-approval gives you a clear, lender-backed number to shop with — and we can run scenarios together before you commit.
What credit score do I need?+
Conventional loans typically start around 620, FHA can go lower, and VA is flexible. We'll review your credit together and outline a path forward whatever your starting point.
How much down payment is required?+
As little as 0% for VA, 3.5% for FHA, and 3% for some conventional programs. We'll match the right program to your savings and goals.
How long does the whole process take?+
Pre-approval is often within 24 hours. From accepted offer to keys in hand typically runs 30–45 days, depending on the property and your timeline.
Cleared for takeoff.