Find the loan to fit your life
Select from hundreds of loan products tailored to your needs
Jen Houghton
Loan Officer
NMLS# 2692164
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
About me
Hi, I'm Jen! Buying a home is one of the biggest financial decisions you'll ever make, and as your mortgage lender, my goal is to make the home financing process smooth and stress-free, providing personalized guidance every step of the way.
A bit about me: I love real estate! I bought my first home at 23 and have since bought, sold, and managed multiple properties. These experiences have given me invaluable insights as a homeowner, investor, and landlord, helping me understand the importance of financial stability and the true value of homeownership.
When I'm not working: I love adventuring with my husband, enjoying good food, Broadway shows, and comedy. We have four kids and two dogs who keep us busy! My hobbies include listening to true crime podcasts, aggressive puzzling, embroidery, and water sports. In the summer, you'll find us wake surfing and soaking up the sun on the river.
Let's turn your homeownership dreams into reality. I can't wait to work with you!
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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.
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%.
FHA
If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
Renovation
Are you thinking of purchasing a fixer-upper? If so, you might consider taking advantage of a Renovation loan. This program can help simplify the process from start to finish. You don’t have to wait to save for a down payment and pay for your home improvements. You can purchase or refinance a home in almost any condition and include the estimated remodeling costs in the loan amount. Skip the headache of waiting to roll up your sleeves and start working on your dream home right away.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
I have had the pleasure with working with Jen on several occasions and her professionalism, attention to detail and communication are unmatched and very much appreciated. I would not hesitate to work with Jen in the future and have highly recommended her to friends and family.
I have worked with Jen for years and have referred many clients to her because of her professionalism, expertise, and kindness. I highly recommend her!
Jen is a creative problem solver. I shared with her my financial situation and she suggested a solution that leveraged my home equity and ended up saving me over $1200/month and increasing my credit score over 100 points! I trust her completely and am so thankful for her help! Highly recommend!
I've worked Jen for over fifteen years, and she has consistently proven to be reliable, conscientious, and highly skilled at helping clarify our families true needs. She offered us excellent advice throughout the process and was wonderfully communicative—always quick to respond and thoroughly prepared to answer any questions my husband and I had. I would gladly work with her again and wholeheartedly recommend her.
I have had the pleasure of working with Jen for years. She is the perfect balance of professional and friendly, easy to be around. Jen is willing to work hard for her Clients, she responds swiftly to communication and is full of helpful information. That is why I am more than happy to refer her to anyone I know.
I’ve worked alongside Jen for many years and have seen firsthand how much she truly cares about her clients. She’s dedicated, easy to work with, and always goes the extra mile to make things smooth and stress-free. Anyone who works with her is in great hands!
NMLS ID #2692164
I am authorized to do business in the states of Oregon and Washington. OR ML-176; 
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