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
Estimate your monthly payment instantly
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 · As of May 14, 2026
30-Year Fixed
6.36%
National average
15-Year Fixed
5.71%
National average
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.
Not Sure Where to Start?
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Answer three quick questions and we'll recommend the right program for your situation.
What type of property are you financing?
Pick the category that best describes your property.
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
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.
InvestmentMay 14, 2026 · 11 min read
DSCR Loans for LLCs in Oregon: Why Entity Vesting Wins — and Why You Should Avoid Vesting Changes Before a Conventional Refinance
Oregon investors increasingly want to hold rentals inside an LLC for liability and estate planning. DSCR loans allow that natively; conventional loans punish vesting changes. Here's the practical playbook for choosing the right vesting at acquisition — and avoiding the trap of moving title into an LLC mid-loan.
Self-EmployedApril 27, 2026 · 9 min read
How IRA Loans Helped Two Oregon Borrowers Qualify When Tax Returns Couldn't
An IRA loan uses your retirement balance — divided by 36 months — as qualifying income. No distributions required, no age restrictions. Here are two real Oregon scenarios where this program closed the gap: a newly retired Tigard couple buying without triggering taxable distributions, and a recently self-employed Oregon City borrower qualifying without two years of returns.
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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