Business Details
29 Years
experience
Your Trusted Mortgage Partner in Portland, OR
Summit Mortgage has been embedded in the Pacific Northwest since 1997, combining local expertise with nationwide mortgage resources. We specialize in matching clients with tailored financing solutions, including conventional, FHA, VA, jumbo, and niche loans. Our team of experienced mortgage bankers provides personalized support throughout the loan process, serving Oregon, Washington, California, Idaho, Florida, and South Dakota. With over 20 years of experience in Northwest lending, we have helped thousands of clients achieve homeownership goals while maintaining a commitment to relationship-driven service.Our locally owned and operated business understands regional needs, offering unmatched customer service and long-term partnership beyond closing. We are licensed by the NMLS (3236) and adhere to strict compliance standards, ensuring transparency and trust in every transaction.
Services
Conventional Home Loans
Refinancing Home Loans
Home Equity Loans
Jumbo Home Loans
FHA Home Loans
VA Home Loans
USDA Home Loans
Reverse Mortgages
Self-Employed Loans
Energy Efficient Mortgages
Details
- Year established: 1997
Highlights and features
- We have over 20 years of experience in Northwest lending.
- Our team consists of certified mortgage professionals with extensive local knowledge.
- We offer a wide range of loan options including conventional, FHA, VA, and jumbo loans.
- Our customer service is unmatched, with personalized support throughout the loan process.
- We are licensed in multiple states, providing nationwide resources with local expertise.
Associations and certifications
- NMLS
What people say
Compassionate service
Personalized support
Efficient processing
Transparent communication
Experienced team
Services
Conventional Home Loans
Conventional home loans offer fixed or adjustable rates for primary residences, investment properties, or second homes. These mortgages follow Fannie Mae and Freddie Mac guidelines, providing predictable payments and flexible terms. Ideal for borrowers with strong credit histories seeking standard financing solutions.
FHA Home Loans
FHA loans provide low down payment options (as low as 3.5%) for first-time homebuyers with moderate credit scores. Backed by the Federal Housing Administration, these mortgages offer competitive rates and lenient qualification requirements. Designed to make homeownership accessible for a broader range of buyers.
Jumbo Home Loans
Jumbo loans finance luxury homes or properties in high-cost areas exceeding conforming loan limits. These non-conforming mortgages require strong credit profiles and larger down payments. Tailored for clients purchasing premium real estate in competitive markets like San Francisco or Seattle.
Home Equity Loans
Home equity loans provide lump-sum financing using your property's built-up equity as collateral. Fixed interest rates and predictable monthly payments make these ideal for home renovations, debt consolidation, or major life expenses. Available as HELOCs or fixed-term loans.
Reverse Mortgages
Reverse mortgages allow homeowners aged 62+ to convert home equity into tax-free income without monthly payments. These HUD-insured HECM loans help seniors supplement retirement funds while maintaining property ownership. Funds can be received as lump sums, monthly payments, or credit lines.
People
Kimberly Bean
Senior Mortgage Banker
With over 20 years of mortgage banking experience, Kimberly Bean specializes in Oregon, Washington, California, and Idaho loans. She focuses on personalized financing solutions and has helped countless clients achieve homeownership goals through attentive service and market expertise.
Miles D. Rusth
Senior Mortgage Banker
Miles Rusth brings extensive knowledge of Pacific Northwest real estate markets to his mortgage practice. Licensed in eight states, he offers tailored loan options for first-time buyers, investors, and everyone in between while maintaining a client-first approach.
Lea Snyder-Rodgers
Senior Mortgage Banker
Lea Snyder-Rodgers combines deep local market understanding with mortgage expertise to deliver customized financing solutions. Her commitment to transparent communication and thorough process guidance has earned her consistent client satisfaction across Oregon and Washington.
Michael B. Wright
Senior Mortgage Banker
Michael B. Wright specializes in Vancouver-area home loans, leveraging his regional expertise to help clients navigate complex mortgage scenarios. With over 15 years in the industry, he provides clear explanations and personalized support throughout the lending process.
Dewey Haney
Senior Mortgage Banker
Dewey Haney offers personalized mortgage solutions for Vancouver residents, focusing on first-time homebuyer programs and local market opportunities. His approach emphasizes education and empowerment, ensuring clients make informed decisions about their home financing.
Questions
What types of home loans do you offer?
We offer conventional, FHA, VA, USDA, jumbo, reverse, home equity, refinancing, and niche mortgage products tailored to individual financial situations.
Are you licensed to operate outside Oregon?
Yes, we're licensed in Washington, California, Idaho, Florida, and South Dakota while maintaining our Northwest roots and local expertise.
How does the mortgage application process work?
Start online, by phone, or in-person. We'll evaluate your financial situation, guide you through document preparation, underwriting, and closing with personalized support at every stage.
Can self-employed individuals qualify for loans?
Yes, we specialize in self-employed mortgage programs requiring two years of tax returns and business financial documentation for qualification.
What documentation is needed for mortgage approval?
Typical requirements include ID, pay stubs, tax returns, bank statements, employment verification, and property-specific documents like purchase contracts or appraisals.
Do you offer energy-efficient mortgage options?
Yes, we provide Energy Efficient Mortgages (EEMs) including Washington State's EnergySpark program for environmentally conscious homebuyers seeking green financing solutions.
