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.
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
VA LoansJune 4, 2026 · 9 min read
VA One-Time Close New Construction Loan: 100% Financing on Land and Build, No Payments During Construction, and Rate Protection With a One-Time Float-Down
Eligible veterans and service members can finance both the land purchase and the cost of construction into a single VA mortgage — up to 100% LTV, up to $4 million, with no required payments during the build, an 11-month construction period, and a one-time float-down if rates improve before the home is complete. We walk through how the program works, who qualifies, what to expect at each phase, and how it compares to traditional two-close construction financing.
EquestrianJune 2, 2026 · 11 min read
How to Buy a Horse Property in Lane County, Oregon: A Financing & Realtor Guide for Eugene, Springfield, and the Surrounding Valley
Lane County is one of Oregon's most distinctive equestrian markets — Coburg, Pleasant Hill, Creswell, Veneta, Junction City, Marcola, the McKenzie corridor, and the south-valley exurbs of Eugene and Springfield each host a different style of horse property. The right loan depends not on the property alone, but on how you plan to occupy and use it. We walk through the property archetypes, the financing path that fits each, why working with a realtor who specializes in equestrian real estate is critical, and how to get an introduction to the equine-specialist agents in our referral network.
Bridge LoansMay 30, 2026 · 12 min read
Commercial Sale Fell Through Days Before Closing on a Marion County Farm — How a 10-Day Bridge Loan Rescued the Deal
A Marion County Oregon commercial property owner had an agricultural purchase under contract — set to close in less than a week — when the buyer on their commercial property terminated and walked. Without the sale proceeds, the ag deal was hours from cratering. A commercial bridge loan funded in 10 days for up to $2,000,000 — matching the projected net proceeds from the failed sale — against the equity in the unsold commercial property (valued in excess of $4,000,000), with no appraisal required and no prepayment penalty — letting them close on the farm on schedule and pay the bridge off in full when the commercial property eventually re-listed and re-sold. We walk through the Marion County commercial market, why contingent and timeline-stacked offers come apart, the bridge loan mechanics that made the rescue possible, and exactly what to do if you're in the same situation.
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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