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 Jun 4, 2026
30-Year Fixed
6.48%
National average
15-Year Fixed
5.79%
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.
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Answer three quick questions and we'll recommend the right program for your situation.
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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
AgriculturalJune 9, 2026 · 15 min read
Financing an 80-Acre Equestrian and Cattle Ranch in Grass Valley, California: Where Ranch Home Loans Tops Out and True Ag Lending Begins on a $3.95M Multi-Residence Income Property
A real-world walkthrough of how to finance a representative 80-acre legacy ranch in Grass Valley, Nevada County — three to four residences across two APNs, a 16-stall barn with office, a 6-stall mare motel, covered and outdoor arenas, a covered round pen, hot walker, cutting arena, cattle squeeze, irrigated cross-fenced pastures, two ponds, an orchard, and a 4-bay metal shop. At a $3.95M price point this property sits above the Ranch Home Loans loan-amount ceiling and squarely in true Ag-loan territory. We compare what each product can actually fund: standard residential jumbo (functionally unworkable on multi-residence, multi-APN, dual-livestock-operation properties), Ranch Home Loans at its $2M ceiling (a layered piece, not a complete solution), and our in-house true Ag loan options at up to 70% LTV (the primary product on commercial-scale equestrian and cattle operations).
VineyardJune 9, 2026 · 14 min read
Financing a 30-Acre Vineyard Estate in Grass Valley, California: Conventional vs. Ranch Home Loans vs. Ag Loans on a $2.29M Nevada County Wine Property
A real-world walkthrough of how to finance a 30-acre established vineyard estate in Grass Valley, Nevada County — 18 acres of producing vines planted in 2002, a Craftsman home, a six-suite office building, a 1,500 sq ft barn, a separately-metered tent building generating rental income, a 20,000-gallon Gunite pool with studio pool house, NID irrigation water, and AG zoning across three parcels. We compare the three viable loan products on the same property: Conforming Conventional vs. standard residential Jumbo, our Ranch Home Loans jumbo, and our true Ag loan options. The decision depends on whether the buyer is occupying the residence and farming at hobby scale, scaling commercial wine production under a use-permit-driven venue plan, or buying the property as an investment to rent out — each path leads to a different product.
EquestrianJune 8, 2026 · 13 min read
Financing a 19-Acre Equestrian Estate in Lincoln, California: Conventional vs. Ranch Home Loans vs. Ag Loans on a $1.5M Sierra Foothills Horse Property
A real-world walkthrough of how to finance a 19.34-acre luxury equestrian estate in Lincoln, Placer County — five-stall barn, arena, round pen, NID-irrigated hay production, two wells, two septics, and barn-loft ADU potential. We compare the viable loan products on the same property: Conforming Conventional vs. standard residential Jumbo, our Ranch Home Loans jumbo, and our true Ag loan options. The 'right' answer isn't the cheapest rate — it's the structure that respects the acreage, the hay income, the improvements, and the buyer's plans for the loft above the barn. Here's how Sierra Foothills equestrian buyers actually navigate the financing decision.
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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