Business Details
12 Years
experience
Emergency
services
Your Trusted Mortgage Partner in Clackamas, OR
Founded in 2014, Root Mortgage was established to revolutionize the mortgage industry by leveraging cutting-edge technology to streamline processes and eliminate bureaucratic inefficiencies. Our mission centers on building strong client relationships through personalized service, comprehensive education about mortgage options, and unwavering commitment to exceptional customer support. With expertise in conventional, FHA, USDA, VA, and jumbo loans, we cater to diverse client needsfrom first-time homebuyers to seasoned investorswhile maintaining a client-focused approach that prioritizes transparency and trust.Our team of seasoned professionals combines decades of industry experience with a deep understanding of local markets to deliver tailored solutions. Headquartered in Clackamas, Oregon, we operate across Arizona, Oregon, and Washington, guided by core values of education, relationship-building, and service-oriented technology integration.
Services
Conventional Loans
FHA Loans
USDA Loans
VA Loans
Jumbo Loans
HELOC
Refinance Services
Home Equity Loans
Investment Property Loans
First-Time Buyer Programs
Details
- Year established: 2014
Highlights and features
- We offer decades of mortgage industry experience with personalized service.
- Our team provides 24/7 access to mortgage experts for urgent needs.
- We utilize technology to streamline loan applications and approvals.
- Competitive rates and transparent fee structures for all loan products.
- Dedicated support for first-time buyers, investors, and refinancing clients.
What people say
Exceptional customer service
Competitive rates
Knowledgeable experts
Streamlined process
24/7 availability
Services
Conventional Loans
Conventional loans offer flexible terms for homebuyers with strong credit histories. These mortgages require private mortgage insurance for down payments under 20% and are ideal for primary residences, investment properties, or second homes. Our team customizes conventional loan options to match client financial profiles.
FHA Loans
FHA loans provide accessible homeownership opportunities for clients with lower credit scores or limited down payment savings. Backed by the Federal Housing Administration, these mortgages allow down payments as low as 3.5% while maintaining competitive interest rates for first-time and repeat buyers.
USDA Loans
USDA loans enable zero-down payment home purchases in eligible rural areas. Designed for moderate-income families, these mortgages combine 100% financing with favorable interest rates to promote homeownership in underserved communities while requiring no private mortgage insurance.
VA Loans
VA loans offer exclusive benefits for active-duty military members, veterans, and eligible spouses. These mortgages provide zero-down payment options, no private mortgage insurance requirements, and competitive interest rates through the Department of Veterans Affairs' guarantee program.
Jumbo Loans
Jumbo loans serve high-income clients purchasing premium properties exceeding conventional loan limits. These mortgages accommodate luxury home purchases in high-cost markets with tailored underwriting standards and competitive pricing for qualified borrowers.
Questions
What mortgage types does Root Mortgage offer?
We provide conventional, FHA, USDA, VA, jumbo loans, and home equity lines of credit to meet diverse client needs.
Can I apply for a mortgage online?
Yes, our user-friendly mobile app allows complete online applications with document upload and loan comparison features.
Do you offer after-hours mortgage consultations?
Our team provides 24/7 expert support for urgent mortgage questions and weekend consultations.
What states do you operate in?
We serve clients in Arizona, Oregon, and Washington with localized mortgage solutions.
How quickly can you close a mortgage?
Most transactions close within 30 days using our efficient, technology-driven underwriting process.
Do you have first-time homebuyer programs?
Yes, we specialize in first-time buyer education and offer tailored loan options with down payment assistance.
Videos
Reviews (4)
Cari Fernandez
Jan 03, 2022
Report
Our mortgage advisor was very knowledgeable and answered questions in a timely manor. She was very friendly and positive. Always kept in touch with me during our process. I would highly recommend Root Mortgage.
Prachi Pedanekar
Dec 23, 2021
Report
Juha and team were awesome mortgage lenders and helped us get the best deal on our first home! They were super patient and helpful in the entire process and provided a very quick closing. They were always available and provided advice on the best mortgage options suitable for our needs.
Gregory Walsh
Dec 21, 2021
Report
Scott and his team truly took care of us. They helped and explained everything I needed but were completely direct and straight forward which I very much appreciate. I absolutley recommend them to anyone I've talked to about refinancing!
Eric Huth
Dec 21, 2021
Report
Lilly was awesome! The process was smooth, communication great and results better than expected on our re-fi. Thanks, Lilly I'll definitely refer you and Root Mortgage to anyone I can!
