diverse couple celebrating in front of their Home

We Shop and Compete For You

Your Trusted Mortgage Broker

Eugene Mortgage Brokers is an independent mortgage broker and local mortgage company serving all of Oregon and Washington. Because we broker on the wholesale side, we compare mortgage lenders and banks against each other for every file, whether you’re buying a house, refinancing, getting a mortgage preapproval, or weighing options as a first time home buyer.

Tell us what you’re working on and we’ll map your realistic options: home loans, cash out refinancing, home equity, jumbo, and the specialty programs a single bank can’t reach. Why pay more if we can shop for you?

Get Your Free Consultation Apply Now

Loan Programs

Like to research before you reach out? Here you go. And whenever you’re ready to chat, we’ll still look at every option across all of these and tell you what we think fits your unique situation best. Between these programs we can finance almost any home, property, or income type in Oregon and Washington.

First Time Home Buyers

A first time home buyer in Oregon or Washington has more paths than most banks mention: first time home buyer programs, down payment assistance, gift funds from family, and co-borrower options that strengthen a young file. We’ll walk you through the whole mortgage process, from preapproval to keys, at no cost to you. First time buyer programs

VA & Veteran Loans

A VA loan is still the strongest benefit in lending: no down payment for eligible veterans and service members, no monthly mortgage insurance, and forgiving credit and debt-to-income treatment. We handle VA home loans, VA mortgages on the second or third use, and the VA streamline refinance (IRRRL) for anyone who already has one. VA loan details

USDA Loans

A USDA home loan finances eligible rural and small town properties with no down payment, and much of Lane County and the Willamette Valley outside the city core qualifies. Income limits apply and the debt rules are strict, but when USDA fits, it’s frequently the best-priced loan a buyer can get. USDA home loan eligibility

FHA Loans

An FHA loan is the workhorse for buyers whose credit or down payment doesn’t impress a big bank. FHA home loans reach lower credit tiers than most lenders advertise, flex further on debt-to-income, and can be used more than once in a lifetime, an FHA mortgage is not just a first-timer’s program. FHA loan options

Reverse Mortgages

A reverse mortgage lets homeowners 62 and up convert home equity into cash flow or a standby line of credit with no monthly mortgage payment. We broker reverse mortgages across Oregon and Washington and will tell you plainly when one makes sense and when a HELOC or cash out refinance is the better tool. Reverse mortgage guide

Investment Properties & DSCR

Investment property loans for landlords and short term rental owners, including DSCR loans that qualify on the property’s rental income instead of your tax returns. Long term rentals, Airbnb and VRBO properties, and multi-unit buildings across Oregon and Washington. Investment property loans

Special Loan Programs

Non QM loans for real income that doesn’t fit the W-2 box: bank statement loans for the self employed mortgage, 1099 mortgages, asset based programs for retirees and high asset households, jumbo loans above conforming limits, rehab and renovation loans, and one-time close construction financing. Specialty loan programs

HELOCs & Home Equity

A home equity loan or home equity line of credit puts your equity to work without touching the low rate on your first mortgage. We shop HELOC options across lenders, including fast digital approvals, and fixed second mortgages when the numbers favor certainty. Home equity options

Ask a local mortgage broker

What are you trying to do?

Buying, refinancing, comparing a quote from another lender, or just figuring out where to start, describe it in your own words. We’ll reply by email with which loan options actually fit and what your next step is.

Real answers from Lauren, Matt, Jasmine, Wendy, Chandler, or Tari. No call center, no drip campaign, and we reply the way you reached out.

Reviews

What Our Clients Are Saying

Mortgage Questions

Straight answers to what Eugene buyers and homeowners actually ask us.

What does a mortgage broker do that a bank can’t?

A bank sells you its own shelf. A mortgage broker prices your loan across dozens of wholesale mortgage lenders at once and places it wherever the terms and guidelines fit best, which matters most when your file has a wrinkle a single bank’s rules can’t absorb. We’re an independent brokerage based right here in Eugene, and we wrote up the full comparison on our brokers vs bankers page.

Does using a mortgage broker cost more?

No, and here’s the part almost nobody mentions: true brokers are the only lending channel with a federal cap on compensation. Banks, retail lenders, and correspondent lenders face no such ceiling on what they build into a loan’s pricing. Our compensation is paid by the wholesale lender at closing and disclosed in writing before you commit to anything.

How do I get preapproved for a home loan?

Reach out with a little about your situation and we’ll tell you exactly what we need, sometimes we can pull most of it digitally, sometimes it’s pay stubs, tax returns, bank statements, and ID. Get us your paperwork promptly and a mortgage preapproval can come together the same day.

What credit score do I need to buy a house in Oregon?

Lower than most banks will quote you. Conventional lending has no universal minimum score and weighs the whole file, FHA reaches further down the credit range than advertised, and any hard cutoff you’ve been given was likely that lender’s overlay rather than the program’s rule. A second opinion costs nothing and regularly changes the answer.

Can I buy a home if I’m self employed?

Yes. A self employed mortgage can be built on tax returns when they’re strong, or on bank statement loans and 1099 mortgage programs when write-offs shrink the paper income. Retirees have a parallel path: asset based programs can qualify you on what you own, not just what you earn monthly.

How does a reverse mortgage work?

A reverse mortgage lets homeowners 62 and older draw on home equity as monthly income, a lump sum, or a standby credit line, with no monthly mortgage payment for as long as you live in the home. It isn’t right for everyone, and we’ll show you the honest comparison against a HELOC or cash out refinance before you decide anything.

Should I get a HELOC or a home equity loan?

A home equity line of credit is flexible, draw what you need, when you need it, while a fixed home equity loan gives you one lump sum with a payment that never moves. Which wins depends on what the money is for and how you feel about variable rates. Both leave your first mortgage untouched, and we shop both across multiple lenders.

Is a cash out refinance better than a second mortgage?

It depends almost entirely on the rate you’re sitting on. If your current mortgage rate is low, a second mortgage or HELOC protects it while still freeing up equity. If your rate is high anyway, a cash out refinance can solve two problems in one loan. Bring us the numbers and we’ll run it both ways.

What if I’ve been turned down for a mortgage?

One lender’s no is one rulebook’s no. Files declined at a bank routinely approve elsewhere without anything about you changing, because guidelines, overlays, and appetite differ lender to lender. Tell us what they said and we’ll tell you whether we see a path, including after bankruptcy or foreclosure, where the waiting periods are shorter than most people think.

Can I use a USDA loan near Eugene?

Very possibly. USDA’s eligible territory covers far more of Lane County and the Willamette Valley than people expect, places like Veneta, Creswell, Junction City, Cottage Grove, and out toward the coast often qualify while the Eugene and Springfield city cores don’t. Send us the address and we’ll check it in minutes.

Do you work with buyers outside of Eugene?

All of Oregon and all of Washington. Eugene and Springfield are home, and we lend from the Willamette Valley through Corvallis, Albany, Salem, and Roseburg, out to Florence and the Oregon Coast, and across Washington state. Everything works by email and phone, so distance changes nothing about the service.

Can parents buy a home for a University of Oregon student?

Yes, and it’s often smarter than four years of rent checks. Depending on the setup, that can be a second home purchase, a co-signed loan with your student, or an investment property that housemates help pay for. We’ll walk you through which structure fits your family and what it means at tax and resale time, talk to your CPA on the tax side.

Our Team Member

Meet Our Amazing Team

Six licensed loan originators, one independent shop. Whether you’d call us a mortgage broker, mortgage advisor, mortgage consultant, or mortgage specialist, the person who answers is the person who works your file, from first question to closing.

Lauren Hatmaker

Owner/Mortgage Specialist

NMLS 409651

Chandler brings five years of customer relationship experience to the mortgage world. He helps buyers get preapproved and compare home loan options across FHA loans, USDA loans, and conventional loans, and keeps every file straightforward and transparent. Read More

Matt Boytz

Director of Lending

NMLS 1294957

Strategic and quick thinking, Matt is a mortgage advisor committed to providing unique lending solutions to his clients and associates. Matt’s construction background and fix and flip experience make him the go-to on renovation loans, rehab loans, and one-time close construction financing. Read More

Jasmine Hatmaker

Mortgage Specialist

2527591

Combining her skills in marketing, art and graphic design, Jasmine infuses creativity into her professional approach. She works closely with first time home buyers on preapprovals, down payment assistance programs, and making the mortgage process feel manageable instead of mysterious. Read More

Wendy Donovan

Mortgage Specialist

226396

A licensed Mortgage Consultant in Oregon since 2000, Wendy handles the loans most lenders won’t touch: reverse mortgages, bank statement loans, and no doc investment property loans, alongside the everyday purchase and refinance work she’s done for two decades. Read More

Chandler Sawyer

Mortgage Specialist

NMLS 2507118

With five years of experience in the automotive industry, Chandler brings exceptional customer relationship skills to the mortgage world. He helps buyers get preapproved and compare home loan options across FHA Loans, USDA Loans, and Conventional Loans, all while keeping every file straightforward and… Read More

Tari Mayberry

Mortgage Advisor

NMLS 2775909

Tari brings over 30 years of underwriting experience to the front side of the desk. From conventional loans and jumbo loans to self employed files with layered income, she knows what an approval needs before it ever reaches underwriting, and if another lender’s underwriter said no, Tari can tell you… Read More