Business Details
Your Trusted Mortgage Broker in Bend, Oregon
Mountain Mortgage has been a trusted local mortgage brokerage in Bend, Oregon for over two decades, specializing in tailored home loan solutions. Our team leverages partnerships with national wholesale lenders to secure competitive rates and terms, combining local expertise with nationwide resources. We prioritize a seamless, stress-free lending process through 24/7 availability, same-day approvals, and a fully paperless system. With deep experience in jumbo loans, FHA programs, and manufactured home financing, we cater to unique client needs, including relocation assistance and specialized loan products like the FHA 203k Rehabilitation Loan. Our owner, Matt Silver, brings over 18 years of local market knowledge, ensuring clients receive personalized guidance rooted in community understanding.We emphasize transparency, flexibility, and innovative solutions, such as low down payment options and no mortgage insurance requirements for qualified borrowers. Our commitment to excellence extends to continuous support, from initial consultation to closing, with a focus on simplifying complex transactions. By maintaining relationships with local service providers, we help clients navigate not just mortgages but broader relocation needs. Our dedication to client satisfaction is reflected in our adaptive approach, ensuring every borrower feels informed and confident throughout their home loan journey. Mountain Mortgage remains a leader in Bends real estate market by prioritizing integrity, expertise, and customer-centric service.
Services
Jumbo Mortgages
FHA Loans
Conventional Loans
Manufactured Home Loans
Relocation Specialist
100% Paperless Process
Highlights and features
- 20 years of local mortgage expertise in Bend, Oregon.
- Partnerships with national wholesale lenders for competitive rates and terms.
- 24/7 availability and same-day loan approvals.
- Specialized in jumbo loans with down payments starting at 10%.
- 100% paperless process for safe, efficient transactions.
Services
Jumbo Mortgages
Jumbo mortgages cater to high-value properties exceeding conforming loan limits. Mountain Mortgage offers jumbo loans starting at 10% down with no mortgage insurance, leveraging wholesale lenders for competitive terms. Ideal for luxury homes or high-cost areas, these loans require strong credit and financial stability.
FHA Loans
FHA loans provide low down payment options (as little as 3.5%) for first-time buyers. Mountain Mortgage facilitates FHA financing with gift funds allowed and minimum credit scores of 580. These loans are ideal for buyers seeking affordable entry into homeownership with flexible qualification criteria.
Manufactured Home Loans
Specialized financing for manufactured homes with land, including FHA 203k programs for repairs. Mountain Mortgage offers loan-to-value ratios up to 90% with minimum credit scores of 640. These loans support purchases or refinancing of double-wide or larger mobile homes built in 1976 or later.
Relocation Specialist
Mountain Mortgages relocation services combine local expertise with comprehensive support, from mortgage guidance to community integration. Our team assists with finding local services, insurance, and title companies, ensuring a smooth transition for clients moving to Bend, Oregon.
100% Paperless Process
Our fully paperless lending process enables secure, contactless transactions from application to closing. Mountain Mortgage utilizes digital tools for document submission, underwriting, and approvals, ensuring safety and convenience while maintaining compliance with modern lending standards.
People
Matt Silver
Owner
Matt Silver has served Bends real estate market for over 18 years as a local mortgage broker. His expertise in navigating complex loan programs and commitment to personalized service ensure clients receive tailored financing solutions. A lifelong Bend resident, he combines outdoor enthusiasm with mortgage innovation.
Questions
What loan programs does Mountain Mortgage offer?
We offer jumbo, FHA, conventional, and manufactured home loans, including specialized programs like FHA 203k for renovations and low down payment options.
Is Mountain Mortgage truly paperless?
Yes, our entire process—from application to underwriting—is 100% paperless, ensuring a safe, efficient, and environmentally friendly experience.
How does Mountain Mortgage assist with relocation?
We provide local market expertise, partnerships with community service providers, and personalized guidance to simplify relocation to Bend, Oregon.
What credit score is required for a jumbo loan?
Jumbo loans typically require a credit score of 700 or higher, along with strong financial documentation to meet rigorous lender criteria.
Can I get a mortgage with a low down payment?
Yes, FHA loans require as little as 3.5% down, and jumbo loans start at 10% down with no mortgage insurance for qualified borrowers.
