Bright Loans℠
Oregon & California Mortgage Lender — 44 Loan Programs
Lumen Mortgage is a modern mortgage lender combining smart technology and expert advice for brilliant results.
Mortgage Calculator
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Estimated Monthly Payment
$4,258/mo
Loan Amount
$750,000
Interest Rate
5.499%
*Estimate only. Actual costs may vary.
Updated Weekly
Today's National Average Rates
Data from Freddie Mac Primary Mortgage Market Survey via FRED API
Updated every Thursday • Your rate may vary based on credit, LTV, and loan type
Loan Programs
What We Finance
From first-time home purchases to large-scale commercial real estate — 44 loan programs across 4 categories.
21 loan programs
Residential
Conventional, FHA, VA, jumbo, DSCR, self-employed, bridge, and more — for primary homes, second homes, and investment properties.
8 loan programs
Multifamily
Duplex through 8-unit financing with DSCR, portfolio, and conventional options — plus Agency loans for larger properties.
6 loan programs
Agricultural
Farm, ranch, and rural land financing — including hobby farms, equestrian properties, and USDA Farm Service Agency programs.
9 CRE programs
Commercial
Owner-occupied CRE, investment properties, bridge loans, industrial, hotel, self-storage, mixed-use, and commercial construction — term sheets in 24 hrs.
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What type of property are you financing?
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About Us
Transparent. Innovative. Efficient.
Lumen Mortgage is a modern mortgage lender combining smart technology and expert advice for brilliant results.
Our mission is to present clear, transparent loan options, ensuring each customer is informed and confident about the mortgage they choose.
We offer financing for residential, multifamily, agricultural, and commercial real estate — serving Oregon and California for personal property and 40 states nationwide for commercial and investment lending.
Full Transparency
See exactly what you'll pay — no hidden fees, no surprises at closing. Every cost itemized upfront.
Licensed & Trusted
NMLS #1498678 — licensed in Oregon and California. Expert guidance backed by years of experience and five-star reviews.
Total Cost Analysis
A digital tool that compares mortgage options, offering personalized insights into loan costs over time.
Lightning Fast Closings
Our streamlined process averages clear-to-close in just 17 days — so you never lose your dream home.
Winner of Best Mortgage Lender
Harding & Associates · 2016–2026
5/5 from
Google Reviews
Real Stories
Read What Our Customers Have To Say
"From the day we put our offer in to the day we had the keys in our hands, the process lasted just two weeks and one day. David's knowledge, enthusiasm, and genuine dedication made buying our first home both fun and empowering. We can't imagine what life would be like had we not reached out!"
Read full review on GoogleNick & Bay Nigro
Google Review · First-Time Home Purchase
"David helped us refinance our previous home and guided us through purchasing our new one with such grace and expertise. From start to finish, he made the entire process feel effortless and filled us with confidence. If you're looking for someone who truly goes above and beyond, he is your person."
Read full review on GoogleSaam & Sally Taleban
Google Review · Refinance & Purchase
"Kudos to David and Uri for making the loan process so easy and smooth. They had great communication — personable, professional, fast, and responsive. The process from start to finish was easy and understandable."
Read full review on GoogleHilary Lindsey
Google Review · Home Purchase
Lending Illuminated
Latest from the Blog
InvestmentMay 22, 2026 · 11 min read
Maximizing DSCR and Cash Flow with Interest-Only Payments: A 2026 Six-City Comparison (Portland, Eugene, Sacramento, San Francisco, Los Angeles, Orange County)
Interest-only payments on a 40-year DSCR loan can lift your debt-service coverage ratio by roughly 0.13–0.15 and add hundreds of dollars per month in cash flow — sometimes flipping a deal from negative to positive. Here is what the math looks like at 2026 median price points across six West Coast investor markets, modeled at 30% down (70% LTV) which is the sweet spot for best-tier DSCR pricing.
AgriculturalMay 21, 2026 · 13 min read
Financing Vineyard Properties in Oregon and California: How Use, Income, and Region Shape Your Loan Options
Not every vineyard is an agricultural loan. A 5-acre hobby block in Dundee, a 40-acre estate in Sonoma, and a 220-acre Paso Robles producer with grape contracts each route to a completely different financing program. This guide walks through residential vineyard, hobby vineyard, and income-producing vineyard underwriting — and how the Columbia Gorge, Willamette Valley, Southern Oregon, North Coast, Central Coast, Sierra Foothills, inland valleys, and Southern California shape your options.
ResidentialMay 15, 2026 · 13 min read
Assumable FHA & VA Loans: A Buyer’s Guide to Inheriting a 3% Mortgage in Today’s 6% Market — Portland and San Francisco Scenarios
Government loans (FHA and VA) are assumable. With current rates near 6%, a buyer who can step into a 3.75% FHA loan or a 4.00% VA jumbo loan from 2022–2023 captures hundreds of thousands of dollars in lifetime savings — but only if they understand the cash-to-close math, minimum-payment rules, and resale implications. Real Portland and San Francisco walkthroughs.
Lending Footprint
Where We Lend
Oregon and California — our primary markets — where we lend on all property and occupancy types. In most other states, we originate investment property loans on residential, multifamily, agricultural, and commercial properties.
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