Why Choose High Lakes Lending for Your Next Home Mortgage Loan
When it comes to securing home loans—whether you’re buying, building, refinancing, or renovating—it pays to work with a lender that puts you first. High Lakes Lending, based in Bend, Oregon, isn’t just another mortgage company. They’re a trusted local partner helping clients across Oregon, California, Washington, Idaho, Colorado, Montana, Wyoming, and Florida find the right loan with personalized service and smart options.
From FHA Loans to Construction Loans, USDA Loans, and even Non-QM Loans, High Lakes Lending offers a full suite of mortgage solutions. If you’ve been searching for a lender who truly listens and delivers, keep reading. Here’s why High Lakes Lending should be your go-to for your next home mortgage loan.
A Full Spectrum of Home Loan Products to Fit Your Life
High Lakes Lending understands that no two buyers—or homeowners—are the same. That’s why they offer a wide variety of home loan options to suit every stage of life, credit profile, and property type.
FHA Loans for First-Time Buyers
FHA Loans are perfect for those who may have lower credit scores or smaller down payments. Backed by the Federal Housing Administration, they’re often the first choice for first-time homebuyers.
- Down payments as low as 3.5%
- Easier credit requirements
- Great for those with limited savings
Did you know? According to HUD, over 80% of FHA borrowers are first-time buyers.
USDA Loans for Rural Properties
USDA Loans offer 100% financing for eligible rural and suburban properties. Ideal for buyers looking outside major metro areas.
- No down payment required
- Competitive interest rates
- Property location and income eligibility apply
If you’re eyeing a home in rural Oregon or Northern California, this is a great option to explore.
Jumbo Loans for High-Value Homes
For homes that exceed conforming loan limits, Jumbo Loans can help you finance your dream property.
- Loans above $766,550 (in most areas)
- Flexible qualification criteria
- Available for primary homes, second homes, or investment properties
High Lakes Lending can help you navigate these larger, more complex loans with ease.
Innovative Solutions: Construction, Renovation & Non-QM Lending
Not all lenders specialize in custom loan solutions. High Lakes Lending does. They go beyond conventional loans to meet more specific or complex needs.
Construction Loans for Building Your Dream Home
If you’re starting from the ground up, a construction loan helps cover costs while your home is being built.
- Interest-only payments during construction
- Convert to permanent financing upon completion
- Ideal for owner-builders and developers alike
Pro tip: Ask about one-time close construction loans to streamline your process.
Renovation Loans for Upgrades & Fixer-Uppers
Got your eye on a diamond in the rough? Renovation loans combine home purchase and renovation costs into one simple loan.
- Finance improvements up to 75% of post-renovation value
- Available for FHA 203(k), Fannie Mae Homestyle, and others
- Great for homebuyers and investors alike
This is perfect for turning a “meh” property into a “wow” home.
Portfolio & Non-QM Loans for Unique Situations
Portfolio Loans and Non-QM Loans (Non-Qualified Mortgage) are for borrowers who don’t fit the traditional mold.
- Ideal for self-employed borrowers, real estate investors, or those with unique income
- Bank statement loans available
- More flexible underwriting
If you’ve been turned down by other lenders, High Lakes Lending may still be able to help.
Refinance Options That Actually Save You Money
Refinancing isn’t just about getting a lower rate—it’s about smart financial planning. High Lakes Lending offers a variety of refinance options to help you get more out of your mortgage.
Rate-and-Term Refinance
Lower your interest rate or change your loan term. This is a great way to reduce monthly payments or pay off your home faster.
Cash-Out Refinance
Tap into your home equity for renovations, debt consolidation, or major expenses.
- Borrow against up to 80% of your home’s value
- Get funds as a lump sum
- May be eligible for lower rates than personal loans or credit cards
FHA and VA Streamline Refinance
Already have an FHA or VA loan? These streamlined refinance options make the process quicker and easier—with less paperwork and no appraisal in many cases.
Quick tip: Refinancing is most beneficial when you can reduce your rate by 1% or more.
Trusted Local Experts With National Reach
High Lakes Lending may be headquartered in Bend, OR, but their expertise reaches across eight states. Their loan officers are not only licensed in Oregon, California, Washington, Idaho, Colorado, Montana, Wyoming, and Florida, but they also have deep understanding of each state’s unique real estate landscape.
Local Know-How You Can Count On
Whether you’re buying a cabin in Montana, a beach house in Florida, or a modern build in Central Oregon, High Lakes Lending knows the local zoning, taxes, and market conditions that impact your loan.
Personalized, One-on-One Service
You’re not just a file number. High Lakes Lending offers:
- Fast, friendly communication
- Help every step of the way
- Quick pre-approvals and on-time closings
You’ll never be left wondering what’s next in the process.
Real Clients, Real Stories
A recent client in Boise, Idaho shared:
“High Lakes Lending guided us through a complex construction loan with professionalism and care. We now have our dream home—and a mortgage we’re comfortable with.”
The High Lakes Advantage: Why Borrowers Keep Coming Back
There are hundreds of mortgage lenders out there. Here’s what makes High Lakes Lending a standout:
5-Star Customer Experience
With glowing reviews across platforms, they’ve earned a reputation for being transparent, reliable, and genuinely helpful.
Competitive Rates & Cutting-Edge Tools
They leverage the latest mortgage software and market data to offer competitive interest rates and fast approvals.
- Easy online applications
- Secure document uploads
- Transparent rate quotes
Commitment to Education & Empowerment
Buying a home is a big decision. High Lakes Lending ensures you’re informed and empowered every step of the way. They offer:
- Mortgage calculators
- Loan comparison tools
- Expert consultations at no charge
Frequently Asked Questions
What credit score do I need to qualify for a home loan?
Most loans require a minimum credit score of 620, but FHA loans can go as low as 580. High Lakes Lending can guide you to the best option based on your score.
Can I get a mortgage if I’m self-employed?
Yes! Non-QM Loans and bank statement loans are designed for self-employed individuals who may not have W-2s or standard income docs.
What are current interest rates for home loans?
Interest rates change daily. Contact High Lakes Lending for today’s competitive home loan rates in your state.
At-a-Glance: High Lakes Lending Services
| Loan Type | Best For | Down Payment |
| FHA Loans | First-time buyers | 3.5% |
| USDA Loans | Rural buyers | 0% |
| Jumbo Loans | High-value homes | Varies |
| Construction Loans | Custom home builds | Varies |
| Renovation Lending | Fixer-upper properties | 3.5–20% |
| Refinance Options | Lowering rates or cash-out | N/A |
| Portfolio / Non-QM Loans | Self-employed or complex income | Varies |
Ready to Take the Next Step?
Here’s the bottom line: Whether you’re buying your first home, building your dream house, or refinancing your current mortgage, High Lakes Lending has the tools, expertise, and heart to make it happen.
✅ Extensive loan options
✅ Licensed across 8 states
✅ Flexible programs for every buyer
✅ Dedicated support from start to finish
Call-to-Action
Want a mortgage experience that’s smooth, supportive, and smart? Contact High Lakes Lending today for a free consultation. Call, email, or start your application online at www.highlakeslending.com.
