Summit Ridge Lending NMLS #999001Borrower portal
Summit Ridge LendingHome loans with a team that picks up the phone.
Purchase · Refinance · Renovation

Home loans from Summit Ridge Lending

The full application, online, at your own pace. Everything saves as you go, so you can stop and come back whenever suits you.

Start your applicationFind a loan officer
Quick estimate

About a month$3,272

At an example 6.5% for 30 years, with tax and insurance. Not an offer.

Change the rate, term and costs in the full calculator →
14 yearsin the lending business
Bank-grade securityYour documents encrypted at rest
Apply in one sittingSave and come back any time
A real personYour loan officer, not a call centre

Loan programs

Talk to one of our loan officers about which of these fits you.

Conventional

Fixed and adjustable rates for buyers with established credit. As little as 3% down for qualified first-time buyers.

  • From 3% down for first-time buyers
  • Credit typically 620+
  • No mortgage insurance at 20% down

FHA

Lower down payment and more forgiving credit requirements, backed by the Federal Housing Administration.

  • From 3.5% down
  • Credit from 580 typical
  • Mortgage insurance for the life of most loans

VA

For eligible service members and veterans. No down payment required and no monthly mortgage insurance.

  • No down payment
  • No monthly mortgage insurance
  • Certificate of Eligibility needed

USDA

Rural and small-town purchases with no down payment, subject to income and location eligibility.

  • No down payment
  • Eligible rural and suburban areas
  • Household income limits apply

Jumbo

Financing above conforming limits, for higher-priced homes and larger loan amounts.

  • Above the conforming loan limit
  • Often 10% or more down
  • Larger reserves usually needed

Refinance

Change your rate or term, or take cash out of the equity you have already built.

  • Lower your rate or change your term
  • Cash out usually up to 80% of value
  • Closing costs can often be rolled in

How it works

  1. 1

    Apply online

    The full application in nine plain-language sections. Save as you go and finish later.

  2. 2

    Send documents

    You get a checklist built from your answers. Upload from your phone, see what is still outstanding.

  3. 3

    Track progress

    Submitted, under review, decision. You can see where your file stands without calling anyone.

  4. 4

    Close

    Your loan officer coordinates signing and funding, and stays reachable the whole way.

Meet our loan officers

What our borrowers say

4.8★★★★★from 4 reviews

  • ★★★★★
    “Every step was explained before it happened, and I always knew which document was still missing.”

    Sample: Maria G. · First-time buyerWorked with Maya Chen

  • ★★★★★
    “We applied on a Sunday night from the couch and had a call back Monday morning.”

    Sample: James and Lee T. · Moved up to a bigger homeWorked with Maya Chen

  • ★★★★★
    “The checklist made the paperwork painless. Closing took a little longer than we hoped.”

    Sample: Priya R. · Refinance

  • ★★★★★
    “They knew the VA process inside out. No surprises at closing.”

    Sample: Daniel K. · VA loan

Run the numbers first

Estimate a monthly payment before you talk to anyone. Nothing you enter is saved or sent anywhere.

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