Business Details
Your Trusted Mortgage Partner in Bend, Oregon
Renee Dornhecker-Landmark Professional Mortgage Company has been a trusted partner in residential mortgage financing for over 35 years, serving Oregon and Washington with a commitment to exceptional service. Our locally owned boutique firm controls the entire mortgage process in-house, offering personalized solutions through expert underwriting and processing. With access to diverse loan programs, we specialize in tailoring financing options to meet individual client needs, whether for first-time homebuyers, refinancing, or unique property types. Our team prioritizes transparency, communication, and efficiency, ensuring clients remain informed at every stage.Recognized for our client-focused approach, we pride ourselves on building lasting relationships through integrity and results-driven service. Backed by decades of industry experience, we combine deep local market knowledge with innovative tools to simplify the homebuying journey. From pre-approval to closing, our dedicated professionals work tirelessly to transform real estate aspirations into reality, earning the trust of thousands of satisfied homeowners.
Services
FHA Loans
Conventional Loans
USDA Loans
Construction Loans
Manufactured Homes Loans
Jumbo Loans
1st/2nd Combo Loans
Highlights and features
- We offer 35+ years of local mortgage expertise and in-house loan processing.
- Our team provides access to diverse loan programs for unique property types.
- We prioritize transparent communication and client education throughout the process.
- Our in-house underwriting ensures faster, more efficient loan approvals.
- We maintain a client-focused approach with personalized financing solutions.
What people say
Went above and beyond
Amazing service
Worked tirelessly
Excellent rate
Happy with new home
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. Ideal for first-time buyers, these government-backed mortgages require as little as 3.5% down while offering competitive rates. Our team specializes in guiding clients through FHA loan benefits, including easier qualification standards and assistance programs for sustainable homeownership.
Conventional Loans
Conventional loans offer versatile financing options for various property types with conventional underwriting standards. Available with fixed or adjustable rates, these mortgages suit buyers with strong credit profiles seeking loan amounts conforming to Fannie Mae and Freddie Mac guidelines. We help clients navigate conventional loan requirements, including private mortgage insurance considerations for down payments under 20%.
USDA Loans
USDA loans enable zero-down payment homeownership in eligible rural areas with income-based qualifications. These government-backed mortgages include 100% financing options for qualified buyers while maintaining competitive interest rates. Our specialists assist clients in determining eligibility, property location requirements, and maximizing USDA loan benefits for affordable home purchases.
Construction Loans
Construction loans facilitate custom home building projects with specialized financing during the construction phase. These short-term loans convert to permanent mortgages upon completion, offering flexible payment structures during construction. Our team coordinates with builders and contractors to ensure seamless funding disbursements and timely project completion for new home developments.
Manufactured Homes Loans
Manufactured home loans provide tailored financing for factory-built properties on land or in approved parks. Available for single-section or multi-section units, these mortgages consider unique property classifications and depreciation factors. We offer expertise in navigating specialized loan programs for manufactured housing, including twice-moved homes and park-located properties.
People
Renee Dornhecker
Branch Manager/Loan Originator
With over 20 years in mortgage lending, Renee Dornhecker specializes in personalized home financing solutions. Licensed in four states, she focuses on matching clients with optimal loan programs while maintaining transparent communication throughout the process. Her expertise spans conventional, government, and specialty mortgages.
Questions
What are the first steps in buying a home?
Begin with mortgage pre-approval to establish your budget and demonstrate serious buyer status to sellers before house hunting.
How much down payment is required?
Down payments range from 0% (USDA/VA loans) to 3.5% (FHA) or 5-20% (conventional), with options like HomeReady offering 3% minimums.
What is private mortgage insurance?
PMI protects lenders for conventional loans with less than 20% down, typically removable when equity reaches 20% of home value.
Can I buy with student loans?
Yes, but lenders will consider debt-to-income ratios when evaluating mortgage eligibility and loan terms.
What's the difference between appraisals and inspections?
Appraisals determine market value for lenders, while inspections assess property condition and structural integrity for buyers.
How long does the homebuying process take?
From offer acceptance to closing typically takes 30-60 days, though property search duration varies by market conditions.
