Business Details
22 Years
experience
Your Trusted Mortgage Broker in Ashland, OR
Elite Mortgage has been dedicated to transforming the home financing experience since 2004. Our founder, Ginny Duffy, brings over two decades of combined industry expertise from her previous environmental career and mortgage specialization. We prioritize client needs through personalized guidance, transparent communication, and comprehensive loan education. Our team serves Ashland and Medford, Oregon, with state-licensed expertise in conventional, FHA, VA, USDA, jumbo, and reverse mortgages. We maintain Equal Housing Lender status while focusing on simplifying complex processes for first-time buyers and seasoned homeowners alike.Our commitment extends beyond transactions to long-term client relationships built on trust and financial empowerment. We stay current with regional market trends to provide data-driven advice for optimal mortgage decisions. Our office hours accommodate busy schedules with extended weekday availability and Saturday appointments. We operate under NMLS #1795862 with strict adherence to regulatory standards and ethical lending practices.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgages
Refinance Services
First-Time Buyer Programs
Rural Development Loans
Mortgage Consultation
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of combined mortgage expertise since 2004
- Our team provides personalized loan program education
- We guarantee transparent, jargon-free communication
- We specialize in Ashland and Medford market trends
- We maintain strict ethical lending standards
Associations and certifications
- Equal Housing Lender
- NMLS
What people say
Made it easy
Thrilled with service
Excellent mortgage rates
Highly recommend
Stress-free process
Services
Conventional Loans
Conventional loans offer competitive rates for borrowers meeting standard requirements. These mortgages require 5-10% down payment with potential private mortgage insurance. Ideal for stable income earners seeking predictable terms without government-backed programs. Our specialists explain all requirements and help determine if this conventional option suits your financial profile.
FHA Loans
FHA loans assist buyers with lower credit scores or smaller down payments. Backed by the Federal Housing Administration, these mortgages allow down payments as low as 3.5% with mandatory mortgage insurance. We guide applicants through FHA requirements and help determine long-term cost effectiveness compared to other programs.
VA Loans
VA loans provide zero-down options for qualified veterans and active military personnel. These government-backed mortgages feature competitive rates and no mortgage insurance requirements. Our team verifies eligibility and navigates the VA loan process to maximize benefits for service members and their families.
USDA Loans
USDA loans enable zero-down financing for homes in designated rural areas. Guaranteed by the U.S. Department of Agriculture, these mortgages include income limits and property eligibility requirements. We help determine qualification status and assist with complete application submission for eligible properties.
Jumbo Loans
Jumbo loans finance properties exceeding conventional loan limits. Typically requiring 20% down payment, these mortgages serve high-value property purchases. Our specialists explain current rate structures, underwriting requirements, and help determine appropriate loan amounts based on individual financial situations.
People
Ginny Duffy
Mortgage Broker
With over 20 years of combined experience since 2004, Ginny Duffy specializes in mortgage solutions for Ashland and Medford. Former environmental professional turned NMLS-certified broker, she focuses on personalized service and financial education. Her approach emphasizes client empowerment through clear communication and tailored loan program guidance.
Questions
What loan programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, and reverse mortgages with personalized guidance to determine the best fit for your financial situation.
How does the mortgage application process work?
Our process starts with pre-approval consultation, followed by document submission, loan program selection, and closing coordination with local partners.
Do you serve areas outside Ashland?
Yes, we primarily serve Ashland and Medford, Oregon, with state-licensed services available throughout Oregon and Colorado.
What makes your mortgage services different?
We combine 20+ years of experience with personalized education, transparent communication, and local market expertise to simplify complex mortgage decisions.
Can first-time homebuyers qualify for special programs?
Yes, we offer specialized programs for first-time buyers including FHA loans and USDA options with down payment assistance opportunities.
How are your mortgage rates determined?
Rates depend on loan type, credit profile, down payment amount, and current market conditions. We provide personalized rate comparisons during consultation.
