Independent Mortgage Broker Serving Oregon, California, Montana & Colorado
About High Lakes Lending – Oregon, California, Montana & Colorado Mortgage Broker
Tailored Home Loans, Refinance & Investment Financing Across Four States
At High Lakes Lending, we’re more than just a mortgage broker—we’re your local experts in Oregon mortgage lending, California home loans, Montana mortgage rates, and Colorado home financing. With over 20 years of experience and access to the nation’s top wholesale lenders, we deliver aggressively low rates, tailored loan programs, and white-glove service for every borrower: first-time homebuyers, refinance shoppers, VA-eligible veterans, and seasoned real-estate investors.
Our Mission: Delivering Competitive Rates & Tailored Home Loans
We believe securing the right Oregon first-time homebuyer loan or California refinance rate shouldn’t be complicated. Our mission is to simplify the mortgage process across four states by offering:
Transparent Pricing: No hidden fees on FHA loans, VA loans, jumbo mortgages, or USDA financing.
Speed & Efficiency: Quick pre-approvals for Colorado home purchase loans and streamlined closings for Montana construction loans.
Customized Solutions: Loan structures built around your financial goals—whether you need a California jumbo loan for a high-value property or an Oregon USDA loan with zero down.
Why Independent Broker Matters
As a true independent broker, we work for you—not a single bank. That means:
Loan Comparison Power: Side-by-side quotes on Oregon refinance loans, Colorado FHA mortgages, and Montana investment property loans.
Nationwide Wholesale Access: Tap into multiple wholesale channels to secure the best California VA loan or Colorado refinance solution.
No One-Size-Fits-All: Every borrower receives personalized guidance, from Oregon home equity financing to Montana vacation-home mortgages.
Regional Expertise
Oregon Home Loans & Refinance Solutions
From Portland first-time homebuyer programs to Bend jumbo mortgage financing, we know the local lenders, appraisal requirements, and down-payment assistance options that can save you thousands.
California Home Loan Products
Navigating California’s conforming limits, high-cost area caps, and VA entitlement rules is our specialty. Lose the stress—gain clarity on San Diego refinance rates, Los Angeles FHA loans, or Northern California jumbo mortgages.
Montana Construction & USDA Mortgages
Whether you’re breaking ground on a Big Sky custom home or buying acreage with zero down, our team structures Montana construction loans and USDA home loans to match rural-property guidelines and maximize financing.
Colorado FHA & Investment Financing
From Denver condos to mountain-town retreats, we deliver Colorado FHA loans, VA purchase loans, and investment-property mortgages with competitive rates and flexible terms.
Meet Our Principal Broker
Clint Edwards
NMLS #308049
After graduating from Cal Poly, San Luis Obispo with a BS in Animal Science, and spending several years post-college in the Animal Science industry, I found myself at a crossroads in life. Not knowing where it would eventually take me, I took a job with a mortgage broker in San Luis Obispo, Ca.
Now, 24 years later, I cannot believe how fulfilling the journey has been. Helping thousands of clients finance their dreams, has in turn enriched my life beyond words.
I believe in a comprehensive approach, working with the clients and their financial partners in developing a plan that will both support and enhance their financial goals. Honesty and integrity, combined with experience and know-how and always with the client’s best interest at heart, I strive to educate my clients so that their home financing experience is the least stressful step in purchasing a home.
In 2014, my wife and I moved to beautiful Bend, Oregon to take advantage of all the area has to offer. We came for the rivers, trees, and mountains and we stay for the rich community that we have found here. I would be honored to help you do the same.
Clint can be reached at 541-848-7472