Business Details
21 Years
experience
Your Trusted Mortgage Broker in North Plains, OR
Established in 2005, Cascade Residential Mortgage has built a reputation as a trusted independent mortgage broker serving Oregon and Washington. Our team specializes in simplifying the mortgage process through personalized guidance and access to competitive rates from multiple wholesale lenders. With over a decade of lending experience, we prioritize understanding each client's unique financial goals to deliver tailored solutions.Our commitment extends beyond transactions, including volunteer work educating first-time homebuyers through HUD-approved programs. By leveraging cutting-edge financial tools, we empower clients to make informed decisions while maintaining transparency throughout the home financing journey.
Services
Conventional Fixed Rate
FHA Loans
VA Loans
Section 184 Loans
USDA Section 502
Jumbo Loans
HELOC
Reverse Mortgage
Details
- Year established: 2005
Highlights and features
- We offer 18+ years of combined mortgage lending experience
- We provide access to competitive rates from multiple wholesale lenders
- Our team includes NMLS-licensed professionals with local market expertise
- We volunteer at HUD-approved homebuyer counseling programs
- We use innovative tools to simplify mortgage decision-making
Services
Conventional Fixed Rate
A fixed-rate mortgage with consistent monthly payments over loan terms ranging from 10 to 30 years. Requires minimum 3% down payment while offering predictable budgeting for homebuyers seeking long-term stability.
FHA Loans
Federal Housing Administration-insured mortgages requiring 3.5% down payment. Designed for first-time buyers with lower credit scores, offering competitive rates and flexible qualification standards for qualifying borrowers.
VA Loans
Department of Veterans Affairs-guaranteed loans with zero down payment requirements. Available to eligible military veterans and government employees, eliminating mortgage insurance costs while providing favorable terms.
Section 184 Loan
HUD-guaranteed mortgages for enrolled members of federally recognized tribes. Features 2.25% minimum down payment, no mortgage insurance, and specialized underwriting to support Native American homeownership initiatives.
USDA Section 502
USDA Rural Development loans offering zero down payment options for eligible borrowers in designated rural areas. Income limits apply up to 115% of local median household income with competitive interest rates.
People
Ross Stadelman
Licensed Mortgage Professional
NMLS-licensed mortgage expert with 10+ years of experience in Oregon and Washington. Specializes in personalized loan solutions while volunteering at Portland's HUD-approved homebuyer counseling center since 2014.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with 3.5% down, VA loans for veterans with zero down, and Section 184 loans for Native Americans with 2.25% down payment requirements.
How does being an independent broker benefit me?
We access multiple wholesale lenders to find competitive rates and specialized products tailored to your unique financial situation and homeownership goals.
Can I get a mortgage with low down payment?
Yes, we offer several low down payment options including VA loans (0%), USDA loans (0%), FHA loans (3.5%), and Section 184 loans (2.25%) for qualifying borrowers.
What areas do you serve?
We provide mortgage services throughout Oregon and Washington, including both urban and rural communities in these states.
Do you offer specialized mortgage programs?
Yes, we specialize in conventional, FHA, VA, USDA Section 502, Section 184 Native American loans, jumbo loans, and reverse mortgages for seniors aged 62+.
Reviews (4)
Alexander Collins PhD
Oct 18, 2018
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This group is straight forward without any fast talk. I haven't even had to deal with a salesman. Instead they were there to help. No surprises at closing with two clean transparent transactions so far with more to come. People over profits = long term clients. Thanks Ken, Cody and team!
Ryan Surface
Dec 08, 2017
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Fast, efficient, on time. Very professional. Ken is the man at saving you time and money. I recommend them to everyone looking to buy or re-fi
Melissa B.
Aug 25, 2016
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It can be really difficult trying to figure out when the right time to refinance is, whether or not to take out a home equity line of credit, or whether or not you can even qualify for a loan to purchase a home in the first place. If you've had these questions yourself, I would highly recommend sitting down with Cody to go over potential options (and it's free to do so)!! It is obvious that Cody has a passion for providing his clients with information so they can make informed decisions about their future. If you are looking for someone with your best interest at heart then you have nothing
Caitlin R.
Mar 30, 2016
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My husband and I recently reached out to Cody for help with the purchase of our first home. From the very first conversation, Cody made us feel comfortable and confident in our decision to purchase. As this was our first home purchase, there was a lot that we did not know and Cody was always available to answer all of our questions, big or small. He guided us through the process, what to expect, the timeline, and was in our corner the entire time. Though I reached out to him multiple times, he never made me feel like I was a burden and was more than happy to help at any time. He was responsive