Business Details
44 Years
experience
Trusted Oregon Hard Money Loans Since 1982
Founded in 1982 in Roseburg, Oregon, Oregon Land Mortgage has evolved from Umpqua Mortgage into one of Oregon's most trusted private hard money lenders. With over 30 years of specialized experience, we focus on providing flexible mortgage equity loans tailored to unique properties and non-traditional financial situations. Our expertise spans construction loans, manufactured home financing, bare land acquisitions, and investment property funding, serving clients across Oregon from Portland to Medford. We prioritize a commonsense lending approach, helping clients with poor credit histories, self-employment challenges, or unconventional properties secure financing that traditional banks cannot provide.Our proven track record demonstrates our commitment to cutting through bureaucratic obstacles to deliver fast approvals and timely funding. We maintain a client-centric philosophy, emphasizing transparency, personalized service, and practical solutions for real estate financing needs. Our team's deep understanding of Oregon's diverse real estate market enables us to offer customized loan structures for single-family homes, multi-family units, commercial properties, and agricultural land. Through decades of service, we have built a reputation for reliability and responsiveness, consistently delivering on our promise to provide accessible financing when clients need it most.
Services
Construction Loans
Manufactured Home Loans
Bare Land Financing
Rental Property Loans
Equity Loans
Development Loans
Multi-Family Loans
Farm Loans
Forest Land Loans
Details
- Year established: 1982
Highlights and features
- We offer over 30 years of specialized hard money lending experience in Oregon real estate
- Our flexible underwriting accommodates clients with poor credit or non-traditional financial situations
- We provide fast approvals and funding for time-sensitive real estate opportunities
- Our expertise covers unique properties banks cannot finance including manufactured homes and bare land
- We maintain transparent lending practices with no hidden fees or unexpected costs
Associations and certifications
- NMLS 274481
- ML-4645
What people say
Fast approvals
Personalized service
Helped with poor credit
Professional and patient
Life-changing financing
Services
Construction Loans
Private money construction loans for new builds and renovations across Oregon. We fund owner-builder projects, barndominiums, stick-built homes, and commercial developments. Our flexible terms support both residential and investment property construction with fast approval processes.
Manufactured Home Loans
Specialized financing for manufactured homes on owned land. We assist with purchases, refinancing, and construction loans for older mobile homes that traditional lenders typically decline. Our 30+ years of experience address unique challenges in this market segment.
Bare Land Loans
Loans for purchasing undeveloped land including timberland, commercial parcels, and recreational properties. We provide financing solutions for buyers with equity or substantial down payments who need funding for vacant land purchases across Oregon.
Equity Loans
Real estate equity loans for property owners seeking cash-out refinancing or investment capital. We help clients access equity in single-family homes, rental properties, and commercial buildings with flexible terms for various financial situations.
Bad Credit Loans
Hard money solutions for borrowers with credit challenges. We evaluate loan applications based on property equity and potential rather than strict credit scores, helping clients with bankruptcies, late payments, or self-employment income secure financing.
Questions
What types of loans do you offer?
We offer construction loans, manufactured home loans, bare land financing, equity loans, and investment property loans across Oregon.
Can I get a loan with bad credit?
Yes, we specialize in hard money loans for clients with poor credit histories or non-traditional financial situations.
How quickly can you fund a loan?
Our streamlined process typically funds loans faster than traditional banks, with many transactions closing within weeks.
Do you lend on unique properties?
Yes, we specialize in financing for manufactured homes, bare land, and other properties banks typically decline.
What areas do you serve?
We operate throughout Oregon, including Portland, Eugene, Salem, Medford, and all areas in between.
How do I start the application process?
Contact us by phone or email, then complete our online application for a quick funding decision.
