Business Details
Your Trusted Mortgage Broker in Portland, OR
Kimberly Bean Home Loans Home Loans has been serving clients in the residential lending industry for over 30 years. As a Senior Mortgage Banker at Summit Mortgage Corporation since 1996, Kimberly specializes in providing tailored financing solutions while maintaining a strong focus on relationship-based service. Our locally-owned direct lender status allows access to diverse loan programs and competitive rates with personalized guidance. We serve clients ranging from first-time homebuyers to experienced investors, offering comprehensive education throughout the mortgage process. With expertise in conventional, FHA, VA, USDA loans and niche products like energy-efficient mortgages, we provide solutions for primary residences, investment properties, and unique real estate scenarios.Our team maintains licenses in Oregon, Washington, California, and Idaho, ensuring compliance with regional regulations. As a University of Oregon graduate with degrees in finance and marketing, Kimberly combines academic rigor with practical experience to deliver informed counsel. We prioritize transparency in all communications and maintain active engagement with the Pacific Northwest community where we live and work. Our commitment to excellence has earned recognition through multiple industry awards, including the Five Star Mortgage Professional Award for over a decade. By leveraging local market knowledge and maintaining direct lender capabilities, we deliver efficient, personalized service that adapts to evolving client needs.
Services
Conventional Home Loans
Refinancing Options
FHA VA Loans
USDA Home Loans
Jumbo Mortgages
Construction Loans
Reverse Mortgages
Energy Efficient Mortgages
Self-Employed Loans
Niche Product Solutions
Highlights and features
- 30+ years of residential lending experience
- Locally-owned direct lender with competitive rates
- Licensed in four western US states
- Specialized programs for unique property types
- Award-winning service with personalized guidance
Associations and certifications
- NMLS
What people say
Savvy advice
Great rate
Creative solutions
Professional answers
Stress-free process
Services
Conventional Home Loans
We offer fixed and adjustable rate conventional home loans for primary residences and investment properties. Our competitive rates and flexible terms cater to borrowers with strong credit profiles seeking standard mortgage solutions. With Summit Mortgage Corporation's direct lending capabilities, we provide streamlined underwriting and closing processes.
Refinancing Options
Our refinancing programs help homeowners reduce monthly payments, access equity, or secure better interest rates. We specialize in rate-and-term refinancing and cash-out options while maintaining compliance with current lending standards across Oregon, Washington, California, and Idaho markets.
FHA VA Loans
We facilitate FHA and VA loan programs with low down payment requirements and favorable terms for eligible borrowers. These options provide accessible homeownership opportunities for first-time buyers, veterans, and those with moderate credit challenges through federal guarantee programs.
Energy Efficient Mortgages
Our EnergySpark program supports sustainable home purchases and improvements through specialized financing. These mortgages allow borrowers to finance energy-efficient upgrades as part of their home loan, reducing long-term utility costs while maintaining competitive interest rates.
Niche Product Solutions
We provide financing for unique real estate scenarios including manufactured/modular homes, large acreage properties, and Washington State bond programs. Our expertise extends to future income programs, extended lock options, and second mortgages with tailored underwriting solutions.
People
Kimberly Bean
Senior Mortgage Banker
With over 30 years in residential lending, Kimberly Bean Home Loans Home Loans specializes in mortgage solutions for diverse property types. A University of Oregon graduate licensed in four states, she combines financial expertise with local market knowledge to serve Pacific Northwest clients.
Jessica Bencomo
Licensed Production Coordinator
Jessica Bencomo manages loan production processes with expertise in Oregon and Washington mortgage regulations. As NMLS-licensed professional, she ensures efficient transaction coordination while maintaining compliance with state-specific lending requirements.
Tish Hawkins
Senior Loan Processor
Tish Hawkins brings extensive loan processing experience to our team, specializing in documentation preparation and regulatory compliance. Her attention to detail ensures smooth mortgage transactions while maintaining adherence to industry standards and timelines.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, VA, USDA loans, jumbo mortgages, construction loans, reverse mortgages, and specialty programs for unique properties across Oregon, Washington, California, and Idaho.
Do you offer refinancing services?
Yes, we offer rate-and-term refinancing and cash-out options to help reduce payments, access equity, or secure better interest rates while maintaining compliance with current lending standards.
Are there special programs for first-time homebuyers?
We offer FHA loans with low down payments and the Home Advantage Loan Program featuring down payment assistance for eligible first-time buyers in specific markets.
Can you help with investment property financing?
Yes, we specialize in residential investment loans with tailored underwriting for rental properties and portfolio diversification strategies through conventional and niche loan products.
What documentation is needed to apply?
Basic requirements include proof of income, asset statements, and property details. Our team will guide you through specific documentation needs based on your chosen loan program.
How do I start the mortgage process?
Contact us via phone or our website to schedule a consultation. We'll discuss your goals, review pre-qualification options, and create a personalized roadmap for your home financing journey.
