Business Details
22 Years
experience
Your Trusted Mortgage Broker in Ashland, OR
Elite Mortgage has been serving homebuyers and refinancers in Ashland and Medford, Oregon since 2004. Our founder Ginny Duffy transitioned from environmental work to mortgage brokering after experiencing the transformative power of compassionate lending firsthand. We specialize in guiding clients through complex mortgage decisions with personalized service, offering expertise in conventional, FHA, VA, USDA, and jumbo loans. Our team maintains deep knowledge of local real estate markets and current housing trends. We prioritize client education, transparent communication, and finding mortgage solutions that align with individual financial goals.With NMLS-certified professionals and a commitment to ethical lending practices, we've helped countless families achieve homeownership. Our office hours extend into evenings to accommodate working clients, and we provide continuous support from pre-approval through closing. We maintain licensing in both Oregon and Colorado to serve a broader client base. Our track record includes successful transactions for first-time buyers, move-up buyers, and investors across southern Oregon.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Details
- Year established: 2004
Highlights and features
- 20+ years of mortgage industry experience
- Personalized loan program explanations
- Local expertise in Ashland & Medford markets
- Licensed in Oregon & Colorado
- Evening hours for working professionals
Associations and certifications
- NMLS
What people say
Stress-free experience
Excellent mortgage rates
Highly recommend
Professional and accessible
Met challenging deadlines
Services
Conventional Loans
Conventional loans offer competitive rates for borrowers with strong credit profiles. These mortgages aren't government-insured but typically require 5-10% down payments. We help clients understand private mortgage insurance requirements and compare loan terms to find optimal solutions for their financial situations.
FHA Loans
FHA loans assist first-time buyers with lower down payments and credit score requirements. We explain the benefits and limitations of these government-insured programs, including mandatory mortgage insurance premiums, to help clients determine if this option fits their needs.
VA Loans
VA loans provide zero-down payment options for eligible veterans and service members. Our team guides military families through the unique benefits of these loans, including streamlined approval processes and special protections for qualified applicants.
USDA Loans
USDA loans enable zero-down home purchases in eligible rural areas. We help clients determine property eligibility and navigate income requirements for these specialized programs designed to promote rural homeownership.
Jumbo Loans
Jumbo loans finance properties exceeding conventional loan limits. We work with clients on complex financial profiles to structure these high-balance mortgages, explaining down payment requirements and interest rate considerations for premium properties.
People
Ginny Duffy
Mortgage Broker
NMLS-certified mortgage broker with 20+ years experience. Former environmental professional turned mortgage expert after positive personal lending experience. Specializes in client education and personalized loan solutions.
Questions
What loan programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, and reverse mortgages. Our team explains each program's requirements and benefits to help you choose the best option.
Are you licensed in Oregon?
Yes, we're licensed by the State of Oregon and hold NMLS certifications. Our mortgage brokers maintain active credentials in both Oregon and Colorado.
What are current mortgage rates?
Rates change daily based on market conditions. Contact us for current rate information and to discuss how different loan programs might benefit your specific situation.
Can first-time buyers qualify for special programs?
Yes, we offer specialized programs for first-time homebuyers including FHA loans and down payment assistance options. Our team helps you understand eligibility requirements and application processes.
What's the mortgage application process?
We guide you through pre-approval, document submission, underwriting, and closing. Our evening hours accommodate working professionals, and we provide continuous support throughout the entire transaction.
Do you offer online application options?
Yes, we provide secure online application options for your convenience. Our digital tools streamline the process while maintaining compliance with all lending regulations.
Reviews (4)
Carla Galvan-Ayala
Jun 06, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
As a first time home buyer, I had a lot of questions and the details of the whole process when buying a home. Ginny did an EXCELLENT job of explaining all the details and the process. She made the process very smooth. She is very helpful and full of knowledge. Thank you Ginny so much!
As a first time home buyer, I had a lot of questions and the details of the whole process when buying a home. Ginny did an EXCELLENT job of explaining all the details and the process. She made the process very smooth. She is very helpful and full of knowledge. Thank you Ginny so much!
Michael Daniel
May 29, 2021
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Positive:Quality,Responsiveness
Ginny was so helpful and consistently responsive! She helped us make the most of our finances through the escrow process.
Ginny was so helpful and consistently responsive! She helped us make the most of our finances through the escrow process.
Terri Nomann
May 16, 2021
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Positive:Professionalism,Responsiveness
Ginny was amazing to work with, she was very professional, responsive even when she was busy and extremely knowledgeable. She made our entire experience pleasurable and we knew we were in good hands. We will defiantly work with Ginny again in the future and we highly recommend her!
Ginny was amazing to work with, she was very professional, responsive even when she was busy and extremely knowledgeable. She made our entire experience pleasurable and we knew we were in good hands. We will defiantly work with Ginny again in the future and we highly recommend her!
Richard Langer
Nov 30, 2020
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Ginny was everything, and more, in helping us in the purchase of our new house. She, and her staff, was always there when we needed answers to our questions. She helped us secure the best possible interest rate for us, and made sure that all went as smoothly as possible right through the closing. I would highly recommend Ginny to anyone looking for a broker who will do everything in her power to help you find your new home.
