Business Details
Your Trusted Mortgage Partner in Bend, OR
At Options Financial Residential Mortgage, we are committed to empowering clients through comprehensive mortgage education and personalized service. Our mission is to simplify the home financing process by providing transparent guidance and a diverse range of loan programs tailored to individual needs. With over two decades of combined experience, our team prioritizes long-term relationships and sustainable homeownership, serving clients across Oregon, Washington, California, Idaho, and Arizona. We specialize in conventional, FHA, VA, USDA, and specialty loans, including down payment assistance and renovation programs.Our process emphasizes client empowerment, market education, and strategic loan selection, ensuring clients make informed decisions aligned with their financial goals. Recognized for our 18-day close program and SecureLock rate-locking feature, we combine industry expertise with innovative solutions to deliver reliable mortgage services. As a division of The Turnkey Foundation Inc., we uphold ethical standards and community-focused values, striving to make homeownership accessible and rewarding for first-time buyers, move-up buyers, and investors alike.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Renovation Loans
Reverse Mortgages
Construction Loans
Down Payment Assistance
SecureLock Rate Protection
Highlights and features
- We provide personalized mortgage education to empower informed decisions.
- Our diverse loan programs cater to unique financial situations and goals.
- Experienced team with decades of combined expertise in residential mortgages.
- 18-day close program ensures efficient home purchase transactions.
- SecureLock feature allows rate locking during home shopping or construction.
What people say
Forever home
Debt consolidation
Quick approval
Down payment help
Educational support
Services
FHA Loans
FHA loans provide low-down-payment options for first-time homebuyers. These government-backed mortgages require 3.5% down with flexible credit requirements, making homeownership accessible to more borrowers. Ideal for those building equity or improving credit scores.
VA Loans
VA loans offer zero-down financing for eligible veterans and service members. These mortgages eliminate private mortgage insurance requirements while providing competitive rates. Designed to honor military service through affordable homeownership opportunities nationwide.
Renovation Loans
Renovation loans combine purchase or refinance funds with home improvement capital. Borrowers can finance repairs or upgrades through 203k options, transforming fixer-uppers into dream homes while increasing property value.
Jumbo Loans
Jumbo loans serve high-value property purchases exceeding conventional limits. With stricter debt-to-income ratios and higher credit score requirements, these mortgages provide purchasing power for luxury homes or unique real estate investments.
Down Payment Assistance
Down payment assistance programs offer grants or zero-interest second mortgages for qualifying buyers. These initiatives eliminate upfront costs through partnerships like the Chenoa Fund and GSFA, enabling 100% financing for eligible applicants.
People
Joel Morgan
Experienced mortgage professional with a focus on client education and community outreach.
Bob DeWeese
Dedicated loan officer committed to simplifying the home financing process for first-time buyers.
Victoria Garcia
Client-focused mortgage advisor specializing in government-backed loan programs and down payment solutions.
Questions
What loan programs do you offer?
We provide FHA, VA, USDA, conventional, jumbo, renovation, reverse mortgage, and down payment assistance programs.
How can I get pre-approved?
Start with our online application or contact us directly for a personalized pre-approval evaluation.
Do you offer first-time homebuyer programs?
Yes, we specialize in first-time buyer solutions including low-down-payment options and DPA programs.
Can I lock my interest rate?
Our SecureLock program allows rate locking during home shopping, selling, or construction phases.
Are you licensed in my state?
We are licensed in Oregon, Washington, California, Idaho, and Arizona for residential mortgage services.
