Why Choose High Lakes Lending as Your Next Mortgage Broker
Whether you’re a first-time homebuyer dreaming of your first keys, a savvy real estate investor expanding your portfolio, or a family relocating across state lines, the process of securing a new loan can feel overwhelming. That’s why choosing the right mortgage broker matters more than ever.
High Lakes Lending, based in Bend, OR, is changing the game when it comes to home financing. With aggressively priced interest rates, unmatched customer service, and decades of industry expertise, High Lakes Lending helps clients throughout Oregon, California, Washington, Idaho, Colorado, Montana, Wyoming, and Florida secure mortgage solutions tailored to their unique needs.
Let’s explore why High Lakes Lending should be your go-to partner for any mortgage need.
What Sets High Lakes Lending Apart?
Local Roots, National Reach
Though High Lakes Lending is rooted in Bend, Oregon, it serves clients across eight states. This regional knowledge gives the team insight into both local housing trends and national lending standards.
Independent Broker Advantage
Unlike large national banks, High Lakes Lending is an independent mortgage broker. That means they shop multiple lenders on your behalf to find the best rates, terms, and programs that align with your goals.
High-Touch, Personalized Service
No call centers. No getting passed around. At High Lakes Lending, you get a dedicated loan officer who will walk you through every step of the home financing process.
Tailored Mortgage Solutions for Every Borrower
Everyone’s mortgage needs are different. High Lakes Lending works with:
New Homebuyers
Looking to buy your first home? High Lakes Lending specializes in first-time homebuyer programs that make the process smooth and affordable.
Homeowners Refinancing
Take advantage of lower rates or free up cash. High Lakes Lending helps you refinance at the best possible terms.
Veterans & Active Duty
Through VA Loans, High Lakes Lending proudly serves veterans by securing zero-down mortgage options with flexible terms.
Jumbo Loan Seekers
Buying in a high-cost area? They offer jumbo loans with competitive interest rates and customized approval strategies.
Self-Employed Borrowers
Freelancers, business owners, and independent contractors benefit from flexible income documentation options and creative loan structuring.
Here’s the deal: No matter your background, income, or credit score, High Lakes Lending works tirelessly to get you approved and funded.
Aggressively Priced Interest Rates That Save You Money
Let’s talk numbers—because interest rates can make or break your mortgage.
Why Rates Matter
Even a 0.5% difference in your interest rate can cost—or save—you thousands of dollars over the life of your loan.
How High Lakes Lending Delivers Better Rates
Because they’re not tied to one bank, High Lakes Lending compares rates across multiple lenders, often finding aggressively priced interest rates that large institutions can’t match.
Quick Tip: Request a no-obligation rate quote and compare it to your current lender—you’ll see the difference.
Rate Comparison Example (30-Year Fixed Loan on $400,000):
| Lender | Interest Rate | Monthly Payment | Total Interest |
| Big Bank A | 7.0% | $2,661 | $558,000 |
| High Lakes Lending | 6.5% | $2,528 | $511,000 |
Savings: Over $47,000 in interest alone.
Support for First-Time Homebuyers
Buying your first home can be nerve-wracking—but it doesn’t have to be.
Easy-to-Understand Guidance
High Lakes Lending breaks down every term and number so that you’re never left in the dark.
First-Time Buyer Loan Programs
Options include:
- FHA Loans with low down payments
- Conventional Loans with reduced mortgage insurance
- USDA Loans for eligible rural areas
Down Payment Assistance
They’ll help connect you with state and local down payment assistance programs, especially in Oregon, Idaho, and California.
Pro Tip: Ask about High Lakes Lending’s First-Time Buyer Resource Packet—a free guide full of budgeting tips, timeline checklists, and credit score hacks.
Smart Financing for Real Estate Investors
Whether you’re flipping your third house or growing a rental portfolio, you need a broker who understands real estate investing.
Fast, Flexible Pre-Approvals
Speed matters. High Lakes Lending gets you pre-approved fast so you can act quickly in hot markets like Boise, Denver, or Portland.
Multiple Property Financing
Looking to purchase more than one property? High Lakes Lending offers:
- DSCR (Debt-Service Coverage Ratio) loans
- No-income documentation investment loans
- Cash-out refinancing for renovations
Local Example
An investor in Bend, OR secured funding through High Lakes Lending for a duplex renovation project and refinanced it six months later—pulling out equity at a better rate.
Why Local and Regional Expertise Matters
You wouldn’t hire a NYC broker to help you buy land in Wyoming—and that’s why High Lakes Lending’s regional knowledge is so valuable.
Understanding Each Market
They know:
- Oregon’s ADU-friendly zoning laws
- California’s wildfire insurance requirements
- Colorado’s mountain-town property tax quirks
- Florida’s flood zone insurance standards
Licensed in 8 States
You’re covered across:
- Oregon
- California
- Washington
- Idaho
- Colorado
- Montana
- Wyoming
- Florida
This is perfect if you’re relocating or investing in multiple states.
What Clients Are Saying
“High Lakes Lending made our first-time homebuying experience stress-free. We locked in a great rate and felt supported every step of the way.”
– Amanda S., Boise, ID
“They helped me close on my vacation home in Bend while I was living in San Diego. Communication was seamless.”
– Tyler R., Bend, OR
“We’ve done three investment loans through High Lakes Lending and keep coming back for their honesty and efficiency.”
– Mark and Lisa J., Missoula, MT
Get Started with High Lakes Lending
Ready to take the next step? Whether you’re buying your first home, refinancing, or growing your investment portfolio, High Lakes Lending is here to guide you with experience, transparency, and competitive rates.
Here’s how to get started:
- Visit www.highlakeslending.com
- Request a Free Quote—no pressure, just real numbers.
- Book a Consultation to explore your mortgage options with a licensed loan officer.
Key Takeaways:
- High Lakes Lending is an independent mortgage broker offering personalized service and aggressive rates.
- They specialize in first-time homebuyer loans, real estate investor loans, VA loans, and more.
- Serving eight states, they provide deep market knowledge with national capabilities.
- Client reviews and real-world examples show a proven track record.
Don’t settle for cookie-cutter financing. Work with a mortgage broker who puts your goals first—contact High Lakes Lending today.
