Who is the best mortgage broker in West Linn, Oregon?

Renegade Home Mortgage is an independent mortgage broker headquartered in West Linn, Oregon. Owned by Michael Neef (NMLS 227081), the firm shops 50-plus lenders on every loan to find the best rate and program fit. Renegade specializes in jumbo loans for the West Linn / Lake Oswego market, where the median home value exceeds $800,000.

What loan programs does Renegade Home Mortgage offer?

Renegade Home Mortgage offers conventional, FHA, VA, USDA, jumbo, non-QM, bank statement, DSCR investment, construction, and the All-In-One (AIO) first-lien HELOC mortgage. Loans are available across Oregon and Washington.

How is a mortgage broker different from a bank?

A bank can only offer its own loan products. A mortgage broker works with dozens of wholesale lenders and shops them against each other on every loan. That competition typically saves borrowers a meaningful amount in rate, fees, or program fit, especially on jumbo and complex files.

What areas does Renegade Home Mortgage serve?

Renegade serves all of Oregon and Washington, with a focus on the Portland metro: West Linn, Lake Oswego, Oregon City, Tualatin, Wilsonville, Beaverton, Tigard, and the surrounding Clackamas, Multnomah, and Washington Counties.

Is Renegade Home Mortgage licensed?

Yes. Renegade Home Mortgage is NMLS Company ID 1938264, owned by Michael Neef (NMLS 227081), and powered by Edge Home Finance NMLS 891464. License status can be verified on NMLS Consumer Access.

Serving the Portland Metro

Your Local Mortgage Expert

We're not a big bank. We're your local neighbors across the Portland metro, and we shop 50+ lenders to find you the best mortgage rate, every single time.

Schedule a Discovery Call View Loan Programs

Serving

500+

Families Served

Days Avg Close

50+

Lender Partners

$832,750

2026 Conforming Limit

Why Renegade?

Mortgage Done Differently

Big banks give you one option. We give you dozens, and the local expertise to pick the right one for your home.

Independent Broker

We don't work for a bank. We work for you. As an independent broker, we shop 50+ wholesale lenders to find the best rate and terms for your specific situation.

Fiercely Local

We're local, and we know every neighborhood, every school zone, and every market trend across the Portland metro. Our advice is grounded in real local knowledge, not a call center script.

Total Transparency

No hidden fees, no surprises at closing. We walk you through every number, every option, and every decision, so you close with confidence.

Loan Programs

Find Your Perfect Fit

From first-time buyers to luxury homes and investment properties, we have a program tailored to your goals.

Conventional

The standard for strong-credit buyers. As low as 3% down with competitive rates from our wholesale lender network.

As Low as 3% Down

FHA Loans

Ideal for first-time buyers. Flexible credit requirements and down payments as low as 3.5%.

First-Time Buyers

VA Loans

Thank you for your service. Zero down payment, no PMI, and competitive rates exclusively for veterans and active military.

Zero Down

Jumbo Loans

Many homes across the Portland metro sell well into jumbo territory. We specialize in large loans with surprisingly competitive terms.

$750K+

USDA Loans

Zero-down financing for eligible suburban and rural properties. Areas around Canby and the metro's rural edges often qualify.

Zero Down

DSCR / Investor

Building a rental portfolio? DSCR loans qualify based on property cash flow, not your personal income.

Investment Properties

View All Programs

Local Insight

Portland Metro Real Estate Corner

From riverfront West Linn and Lake Oswego to Milwaukie, Oregon City, and Canby, the south metro is a patchwork of distinct local markets. Here's what you need to know before you buy.

Market Snapshot

Every community we serve has its own price bands, neighborhoods, and school districts, from luxury hilltop estates in West Linn and Lake Oswego to attainable first homes in Milwaukie, Oregon City, and Canby. Understanding which loan program fits which market is key to a smart purchase, and that's exactly where a local broker earns their keep.

Explore Neighborhoods

Why Jumbo Matters Here

With the 2026 conforming loan limit at $832,750, many purchases in higher-priced local markets require a jumbo loan. As an independent broker, we access wholesale jumbo rates that big banks can't match, and we structure loans that fit your specific neighborhood and price point.

Read Our Jumbo Loan Guide

Mortgage Calculators

Estimate your monthly payment, compare purchase vs. refinance, calculate affordability, and more, all in one place.

Run Calculators

What Our Neighbors Say

Real Reviews from Real Local Families

They found us a jumbo rate that was nearly half a point lower than what our bank offered. Saved us over $40,000 over the life of our loan on our Savanna Oaks home.

The Peterson Family

Savanna Oaks Homeowners

As first-time buyers, we were nervous about the process. Renegade walked us through every step, from pre-approval to closing in just 12 days. They made our Bolton dream home a reality.

Sarah & David M.

Bolton First-Time Buyers

The local expertise is unmatched. They knew exactly which lenders work best for self-employed borrowers in our price range. Truly a different experience from the big banks.

Mark T.

Hidden Springs Homeowner

Part of Your Local Community

We're more than a mortgage company. We're your neighbors across the Portland metro. Based in West Linn, we serve buyers and homeowners throughout the south metro with the same local expertise and personal attention, whatever community you call home.

Explore Neighborhoods