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 28, 2026
30-Year Fixed
6.53%
National average
15-Year Fixed
5.87%
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?
Find Your Loan in 30 Seconds
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
Home BuyingMay 28, 2026 · 14 min read
Moving to Oregon or California This Summer? What Out-of-State Buyers Need to Know About Getting a Mortgage in 2026
Relocating from out of state is its own mortgage category — qualifying on a future-dated employment offer, shopping remotely on a compressed timeline, navigating Oregon and California closing-cost surprises, and bridging the equity in a home you haven't sold yet. This guide walks every relocating buyer through the qualifying paths, the documentation that matters, the state-specific closing-cost gotchas, and the bridge-loan playbook for selling from another state — so you arrive on day one with the keys, not a temporary rental.
RefinancingMay 26, 2026 · 14 min read
Divorce and Equity Buyout Mortgages: Assumptions, Refinances, and Qualifying with Support Income — A 2026 Oregon & California Guide
When divorce involves a home, the mortgage decision often shapes the entire settlement. Whether to assume the existing loan, refinance into a Fannie Mae buyout priced as rate-and-term (not cash-out), use a bridge loan, or qualify with spousal and child support — each path has its own timeline, documentation requirements, and pricing implications. This guide walks through every option available to Oregon and California borrowers, the loan-type differences that matter, and why engaging a lender before the decree is finalized is one of the highest-leverage decisions in the entire process.
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.
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.
Ready to Find Your Home?
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