Let’s Get You Home
Whether you’re looking to buy your first home, refinance, or buy again, we’re here to help.
Not sure where to start?
Lower Your Monthly Bills
Ultimate Lending Team will find the lowest rates possible for you whether you’re looking to buy your first home, upgrade your home, or refinance your current mortgage. We will help you save money through faster service, lower interest rates, and special programs only offered through Guaranteed Rate Affinity. We love being the trustworthy team that’s there for our clients to provide convenience, great rates, and lower fees.

Why Choose the Ultimate Lending Team?
If you’re looking to buy a home, we have the resources, products, and guarantees to make it happen.
Exceptional Service
To successfully close on the home of your dreams, you need a team you can trust. We are honored to be the trusted lending expert for thousands of our clients.
On Time Closings
You shouldn’t have to worry about your mortgage holding up the purchase. Rest assured the Ultimate Lending Team will get you over the goal line.
Lowest Rates
Come to the negotiating table armed with a rock-solid pre-approval capable of beating out competing offers, even cash ones!
Client Reviews
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Andrew was very responsive, communicative, patient and friendly! he helped us every step of the way.
Meghan L
5/12/2022Working with Jim and his team was a great experience. I was comfortable working with a fellow Frisbee player. He helped us every step of the way and has continued... Read More to provide support for us when needed. From pre-approval to closing, he was available to answer any questions we had and presented information we hadn't considered. We couldn't be happier with our new home and almost as important, our low mortgage rate! We refinanced with Jim when rates dropped. I would recommend Jim to anyone looking to purchase a home or refinance their existing home. Thanks again Jim! Read Less
Ryan Ellis
12/15/2017The team at Ultimate lending has now helped me with two mortgages and both were incredibly smooth (even with complex finances and multiple party mortgages). Both my loans closed on... Read More time and never felt rushed or stressed, and one had to be put together in a couple weeks during the holidays. Part of this is probably due to the unique circumstance of sharing an office with their underwriters, allowing clear, personal communication throughout the process. I feel great about the options that Jim shopped for and, after doing my own research, discovered that he was very thorough in finding the best available interest rates. I'd recommend getting your mortgage in place before picking a house so that you can come to the bargaining table with money already spoken for. I'd highly recommend Ultimate lending and I intend to use them again if I ever buy another property or house. Read Less
Lauren F.
3/11/2019 -
It was a really easy process. Jim, Amy and Lisa were all absolute professionals and it was really pleasant to work with each of them. I felt really supported in... Read More new home ownership and felt empowered to ask questions. I felt like their feedback and advice was really catered to me and my needs/wants. Thank you all so much! It was so wonderful to work with you. Read Less
Rena K
11/03/2021Quick communication and availability to advise me on things; Jim gave a great explanation and breakdown of costs initially which was super useful and informative. Also getting everything wrapped up... Read More in a timely fashion! Read Less
Giles E
9/28/2021Jim and his team made buying our first home out of state such an easy and memorable experience. Life has been amazing here in Oregon and an adventure we'll always... Read More be happy we embarked on. We took in the sights and the communities for the first two months we were here, as we waited that long to start looking for work, but so well worth it to get to know the new surroundings. My wife now works for the county (2min drive/8min walk from home), and I work in sales for a local manufacturer (2.5mi from home). We cannot thank Jim enough for his role in helping us get here, and we know that whenever we tell our story, he'll always play a part as someone who made a dream look so easy and helped make it come to life. It was an incredible journey getting here and was one of the best decisions we ever could have made as we find seem to always find ourselves on vacation here at home. Life is good and cannot complain! Oh, and the rain over the snow isn't such a bad deal, either... Thank you Jim! Read Less
Daniel D.
2/09/2019



Loans Offered
Conventional Mortgages
Keep a low rate from the beginning of your mortgage to the very end! We will help you find the lowest rates possible at a term that makes sense for you.
Jumbo Mortgages
Looking to buy high-value or luxury real estate? Our jumbo mortgages have low rates for higher valued homes.
FHA Loans
Down payment got you down? Don’t worry! We provide FHA loans with down payments as low as 3.5%.
VA Loans
We offer $0 down mortgage options available to veterans, service members, and select military spouses.
Investment Properties
We have home loan experts who specialize in investment property mortgages to get you earning a return on the investment ASAP.
Additional Options
We have loans for virtually any situation. Adjustable-rate or interest only mortgages and cash-out refinances. Contact us to see what is best for you!