Business Details
Your Trusted Mortgage Partner in Portland
Kimberly Bean Home Loans Home Loans has been a trusted partner in residential lending for over 30 years. As a senior mortgage banker at Summit Mortgage Corporation since 1996, Kimberly specializes in providing competitive rates and tailored financing solutions for homebuyers across Oregon, Washington, California, and Idaho. Our locally-owned direct lending model combines national program access with personalized guidance to meet diverse client needs. We prioritize transparent communication and education throughout the mortgage process, serving first-time buyers and seasoned investors alike. With expertise in conventional, FHA, VA, USDA, and niche loan products, we deliver strategic advice to optimize clients' financial outcomes.Our commitment to relationship-based service has earned recognition as a Five Star Mortgage Professional and top 1% originator nationally. As a Pacific Northwest native and University of Oregon graduate, Kimberly leverages deep regional market knowledge to support clients in achieving homeownership goals. Our team maintains rigorous professional standards through licensing in multiple states and adherence to ethical lending practices.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Refinancing Options
Jumbo Mortgages
Investment Loans
Reverse Mortgages
Construction Loans
Energy Efficient Mortgages
Highlights and features
- We offer 30+ years of residential lending expertise in Portland, Oregon
- Our local market knowledge ensures tailored mortgage solutions for Pacific Northwest properties
- We provide access to competitive rates through Summit Mortgage Corporation's direct lending model
- Our team maintains licensing in Oregon, Washington, California, and Idaho
- Recognized as Five Star Mortgage Professionals and top 1% national originators
Associations and certifications
- NMLS 55921
- NMLS 3236
What people say
Incredible supportive
Saved us money
Great rate
No private mortgage insurance
Creative solutions
Services
Conventional Loans
Conventional home loans offer flexible terms for primary residences, investment properties, and second homes. These fixed or adjustable-rate mortgages provide competitive pricing with various down payment options. Our team helps clients navigate conforming and high-balance loan programs to match their financial situation.
FHA Loans
FHA-insured mortgages provide accessible homeownership opportunities with low down payments and lenient credit requirements. Ideal for first-time buyers, these loans feature competitive rates and flexible underwriting standards. We guide clients through the FHA loan process from application to closing.
VA Loans
VA-guaranteed mortgages offer exclusive benefits for eligible military personnel and veterans. These loans feature zero down payment options, competitive rates, and no private mortgage insurance requirements. Our specialists provide expert guidance through the VA loan approval process.
USDA Loans
USDA Rural Development loans provide 100% financing for eligible properties in designated rural areas. These mortgages feature competitive rates and reduced mortgage insurance premiums. We help clients determine eligibility and complete USDA loan applications efficiently.
Refinancing Options
Our refinancing solutions help homeowners reduce monthly payments, access equity, or change loan terms. We evaluate rate-and-term, cash-out, and streamline refinance options to optimize clients' financial positions while leveraging current market conditions.
People
Kimberly Bean
Senior Mortgage Banker
With 30+ years in residential lending, Kimberly Bean Home Loans Home Loans specializes in mortgage solutions for Pacific Northwest homebuyers. A University of Oregon graduate, she has served Summit Mortgage Corporation since 1996, earning multiple national originator awards while maintaining licensing in four states.
Jessica Bencomo
Licensed Production Coordinator
Jessica Bencomo manages loan production processes with expertise in Oregon and Washington markets. Licensed since 2015, she ensures efficient transaction coordination while maintaining NMLS compliance standards for client transactions.
Tish Hawkins
Senior Loan Processor
Tish Hawkins brings extensive loan processing experience to our team, specializing in documentation preparation and underwriting requirements. Her attention to detail ensures smooth loan approvals while maintaining compliance with state and federal regulations.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, VA, USDA, jumbo, investment, reverse, and energy-efficient mortgages. Our specialists also handle construction loans, refinancing options, and niche programs for unique properties.
Do you offer mortgage services outside Oregon?
Yes, we serve clients in Washington, California, and Idaho. Our team maintains active licensing in all four states to provide consistent mortgage solutions across the Pacific Northwest and beyond.
How can refinancing benefit me?
Refinancing can lower your interest rate, reduce monthly payments, or access home equity. We analyze your financial goals to determine if rate-and-term, cash-out, or streamline refinancing best suits your needs.
What makes your mortgage services different?
Our combination of 30+ years' experience, local market expertise, and direct lending capabilities allows personalized solutions. We maintain top 1% national originator status while providing individualized client attention throughout the process.
How do I start the mortgage process?
Contact us via phone or our website to discuss your homeownership goals. We'll review your financial situation, explain available options, and guide you through pre-approval before submitting your formal application.
