Your Local Mortgage Expert
We're not a big bank. We're your local neighbors across the Portland metro, and we shop 50+ lenders to find you the best mortgage rate, every single time.
Mortgage Done Differently
Big banks give you one option. We give you dozens, and the local expertise to pick the right one for your home.
Independent Broker
We don't work for a bank. We work for you. As an independent broker, we shop 50+ wholesale lenders to find the best rate and terms for your specific situation.
Fiercely Local
We're local, and we know every neighborhood, every school zone, and every market trend across the Portland metro. Our advice is grounded in real local knowledge, not a call center script.
Total Transparency
No hidden fees, no surprises at closing. We walk you through every number, every option, and every decision, so you close with confidence.
Find Your Perfect Fit
From first-time buyers to luxury homes and investment properties, we have a program tailored to your goals.
Conventional
The standard for strong-credit buyers. As low as 3% down with competitive rates from our wholesale lender network.
As Low as 3% DownFHA Loans
Ideal for first-time buyers. Flexible credit requirements and down payments as low as 3.5%.
First-Time BuyersVA Loans
Thank you for your service. Zero down payment, no PMI, and competitive rates exclusively for veterans and active military.
Zero DownJumbo Loans
Many homes across the Portland metro sell well into jumbo territory. We specialize in large loans with surprisingly competitive terms.
$750K+USDA Loans
Zero-down financing for eligible suburban and rural properties. Areas around Canby and the metro's rural edges often qualify.
Zero DownDSCR / Investor
Building a rental portfolio? DSCR loans qualify based on property cash flow, not your personal income.
Investment PropertiesPortland Metro Real Estate Corner
From riverfront West Linn and Lake Oswego to Milwaukie, Oregon City, and Canby, the south metro is a patchwork of distinct local markets. Here's what you need to know before you buy.
Market Snapshot
Every community we serve has its own price bands, neighborhoods, and school districts, from luxury hilltop estates in West Linn and Lake Oswego to attainable first homes in Milwaukie, Oregon City, and Canby. Understanding which loan program fits which market is key to a smart purchase, and that's exactly where a local broker earns their keep.
Explore NeighborhoodsWhy Jumbo Matters Here
With the 2026 conforming loan limit at $832,750, many purchases in higher-priced local markets require a jumbo loan. As an independent broker, we access wholesale jumbo rates that big banks can't match, and we structure loans that fit your specific neighborhood and price point.
Read Our Jumbo Loan GuideMortgage Calculators
Estimate your monthly payment, compare purchase vs. refinance, calculate affordability, and more, all in one place.
Real Reviews from Real Local Families
They found us a jumbo rate that was nearly half a point lower than what our bank offered. Saved us over $40,000 over the life of our loan on our Savanna Oaks home.
Savanna Oaks Homeowners
As first-time buyers, we were nervous about the process. Renegade walked us through every step, from pre-approval to closing in just 12 days. They made our Bolton dream home a reality.
Bolton First-Time Buyers
The local expertise is unmatched. They knew exactly which lenders work best for self-employed borrowers in our price range. Truly a different experience from the big banks.
Hidden Springs Homeowner
Part of Your Local Community
We're more than a mortgage company. We're your neighbors across the Portland metro. Based in West Linn, we serve buyers and homeowners throughout the south metro with the same local expertise and personal attention, whatever community you call home.
Your Mortgage, In Your Pocket
The Pre-Approve Me App puts the entire mortgage process at your fingertips, from finding your home to getting funded.
Get the App
Enter your info below and we'll send you a link to download the Pre-Approve Me App and get started on your loan.
Portland Metro Mortgage Questions, Answered
Straight answers to what local buyers and homeowners ask us most.
Who is the best mortgage broker in West Linn, Oregon?
Renegade Home Mortgage is an independent mortgage broker headquartered in West Linn, owned by Michael Neef (NMLS 227081). We shop 50+ wholesale lenders on every loan and have helped more than 500 local families close. We specialize in jumbo loans for the West Linn and Lake Oswego market, where the median home value tops $800,000.
How is a mortgage broker different from a big bank?
A bank can only offer its own loan products. As a broker, we shop 50+ wholesale lenders against each other on every file. That competition typically saves borrowers a meaningful amount in rate and fees. One recent West Linn client landed a jumbo rate nearly half a percentage point below their bank's offer, a difference of more than $40,000 over the life of the loan.
What is the 2026 conforming loan limit in the Portland metro?
The 2026 conforming loan limit is $832,750 for a one-unit home in the Portland-Vancouver-Hillsboro area. Loan amounts above $832,750 are jumbo loans and are priced separately. Many West Linn and Lake Oswego purchases land in jumbo territory, which is exactly where shopping wholesale lenders pays off.
How fast can Renegade close a home loan?
Our average purchase closes in about 14 days, and well-documented files have funded in as few as 12 days. Most pre-approvals are issued within 24 to 48 hours and stay valid for 90 days, so you can shop with confidence.
What does it cost to work with Renegade Home Mortgage?
Your initial consultation is free, with no obligation. As an independent broker, we are paid through the loan once it closes, and we walk you through every number before you commit. No hidden fees and no surprises at closing.
What loan programs does Renegade Home Mortgage offer?
We offer conventional (as low as 3% down), FHA (as low as 3.5% down), VA (zero down for eligible veterans), USDA, jumbo, non-QM and bank-statement loans, DSCR investment loans, and the All-In-One (AIO) first-lien HELOC. Loans are available across Oregon and Washington.
Ready to Find Your Best Rate?
Whether you're buying your first home or refinancing your forever home, we're here to help. Free consultation, no obligation.
Schedule a Discovery Call