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About me

I'm proud to call Bend, Oregon home, but I grew up just 20 miles down the road in the small town of Sisters. That small-town upbringing taught me the value of hard work, honesty, and treating folks like family-values I carry into every loan I help close.

I met my wife, Megan, while studying International Business and Operations Supply Chain Management at Gonzaga University. Today, we're raising our two boys, Parker and Hudson, and soaking up the best of Central Oregon-whether it's skiing in the winter, hunting in the fall, or heading to the lake in the summer.

Homeownership has always meant more to me than just having a roof over your head-it's about creating stability, building memories, and opening doors to new opportunities. I take pride in helping families and individuals find that same sense of security and possibility through owning a home. My goal is simple: make the process clear, smooth, and stress-free, so you can focus on building your future.

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Down payment assistance

If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
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Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.
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VA

If you're an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you'll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.99 out of 5.0 stars
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5.0
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5.0
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4.9
Suzanne C.
Dec 18, 2025
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I must give a shout-out to Brennan Layne, who made our home-buying experience a breeze. I am a Realtor. My husband and ...See more
Daryl
Dec 3, 2025
Sisters, OR
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Thanks again for a quick and easy transaction. I refered you to a customer of mine. Thanks Daryl
Pam O.
Dec 1, 2025
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We appreciated all of Brennans knowledge and communication! Led us through the process and kept us updated! Would highly...See more
Sabrena
Nov 25, 2025
Prineville, OR
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Brennen was amzing!
Sabrena H.
Nov 24, 2025
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Brennen made the entire lending process incredibly easy and fast. We felt fully supported and informed at every step, an...See more
Julie L.
Nov 21, 2025
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Brennan and his team were wonderful to work with. We had a very complicated purchase and everyone went out of their way...See more

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Awards

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Causes & Memberships

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NMLS ID #1848580

I am authorized to do business in the state of Oregon. OR ML-176;

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