Business Details
12 Years
experience
Your Trusted Mortgage Partner for Homeownership Success
Founded in 2014, Root Mortgage has redefined the mortgage industry by combining cutting-edge technology with personalized service. Our mission centers on three pillars: educating clients about home financing, building lasting relationships, and prioritizing service over sales. With expertise in conventional, FHA, USDA, VA, and jumbo loans, we cater to first-time buyers, investors, and everyone in between. Our team of seasoned professionals brings decades of combined experience, offering tailored solutions that align with each client's unique financial goals. Headquartered in Clackamas, Oregon, we operate across Arizona, Oregon, and Washington, serving local markets while maintaining a national perspective. We pride ourselves on transparency, eliminating bureaucratic hurdles to deliver efficient closingsoften within 30 days.Through our mobile app, clients access streamlined applications, document uploads, and affordability calculators, ensuring a modern, user-friendly experience. Our commitment extends beyond transactions; we aim to be lifelong partners in our clients' homeownership journeys, providing ongoing support and education. Recognizing that home loans are as unique as families, we emphasize flexibility, offering competitive rates and after-hours availability to accommodate diverse needs. This approach has earned us a reputation for integrity, reflected in client testimonials praising our expertise and dedication.
Services
Conventional Loans
FHA Loans
USDA Loans
VA Loans
Jumbo Loans
HELOC
Refinance Services
Investment Property Loans
First-Time Homebuyer Programs
Online Loan Applications
Details
- Year established: 2014
Highlights and features
- We offer decades of mortgage industry experience with personalized loan solutions.
- Our team provides after-hours and weekend support for flexible client access.
- We deliver competitive rates and transparent fee structures to protect your budget.
- Our technology-enabled process ensures efficient closings, often within 30 days.
- We specialize in educating clients about mortgage options tailored to their needs.
What people say
Personalized service
Competitive rates
Knowledgeable team
Services
Conventional Loans
Conventional loans provide flexible mortgage solutions for borrowers with strong credit histories. These fixed or adjustable-rate loans require private mortgage insurance for down payments under 20%, offering competitive rates for qualified buyers. Our team simplifies the application process while maintaining strict underwriting standards to ensure long-term affordability.
FHA Loans
FHA loans enable low-to-moderate income borrowers to achieve homeownership with minimal down payments. Backed by the Federal Housing Administration, these mortgages accommodate lower credit scores while requiring mortgage insurance premiums. We guide clients through FHA-specific requirements to maximize benefits while minimizing costs.
USDA Loans
USDA loans offer zero-down payment options for qualifying buyers in eligible rural areas. These government-backed mortgages include income limits and property requirements, which our specialists navigate to connect eligible borrowers with affordable financing solutions tailored to their geographic needs.
VA Loans
VA loans provide exclusive benefits for active-duty military members, veterans, and eligible spouses. These mortgages require no down payment and offer favorable terms, with our team specializing in streamlining the certification process to honor service members' housing needs efficiently.
Home Equity Line of Credit
HELOCs allow homeowners to leverage property equity for major expenses. This revolving credit line features variable rates and draw periods, with our advisors ensuring clients understand repayment terms and risks associated with using their home as collateral for additional financing.
People
Scott Kirkland
Managing Partner & Sr. Mortgage Advisor
Scott combines leadership expertise with hands-on mortgage advisory experience, guiding clients through complex financing decisions while maintaining NMLS #212843 compliance standards.
Reza Navidi
Managing Partner
Reza drives strategic growth initiatives while ensuring operational excellence across all lending services, leveraging NMLS #911729 credentials to maintain regulatory adherence.
Robert Day
Sales Manager & Sr. Mortgage Advisor
Robert specializes in matching clients with optimal loan products, utilizing NMLS #1543360 expertise to balance sales leadership with personalized mortgage counseling.
Juha Tuominen
Sr. Mortgage Advisor
Juha provides advanced mortgage planning solutions, maintaining NMLS #53792 certification while delivering tailored financing strategies for diverse client profiles.
Eric Makowski
Sr. Mortgage Advisor
Eric combines technical loan analysis with client education, using NMLS #669220 experience to simplify complex mortgage concepts for informed decision-making.
Questions
What mortgage services does Root Mortgage offer?
We provide conventional, FHA, USDA, VA, jumbo loans, and HELOCs. Visit our Products page for complete details about each loan type and eligibility requirements.
Which states does Root Mortgage operate in?
We currently serve Arizona, Oregon, and Washington residents through local offices staffed by licensed mortgage professionals in each market.
How does Root Mortgage's online application work?
Our mobile app enables complete loan applications, document uploads, and affordability calculations. The system securely processes information to expedite underwriting decisions.
What factors determine my loan approval amount?
Key considerations include income verification, debt-to-income ratio calculations, credit history, down payment amount, and property type specifications during underwriting.
Can I get mortgage help outside regular business hours?
Yes, our team offers after-hours and weekend support to accommodate clients' schedules while maintaining prompt response times for urgent inquiries.
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