About BANCO MORTGAGE CENTRE
Banco Mortgage, established in 2004, operates as a licensed mortgage lender and broker, serving clients across Oregon, Washington, California, Idaho, and Arizona. With nearly two decades of experience, the company is dedicated to providing personalized and flexible home financing solutions to meet diverse borrower needs.
The firm distinguishes itself by offering a comprehensive suite of loan products, including Conventional, FHA, VA, USDA, Jumbo, and specialized Non-QM options like Bank Statement and DSCR investor loans. Banco Mortgage prides itself on its tailored approach, assisting a wide range of clients from first-time homebuyers to seasoned investors seeking financing for primary residences, second homes, or investment properties.
Committed to transparency and efficiency, Banco Mortgage leverages an accessible online application process and a streamlined digital closing system. Their focus on client education and support ensures borrowers are well-informed throughout their homeownership journey, aiming to simplify complex mortgage processes and deliver exceptional service.
The firm distinguishes itself by offering a comprehensive suite of loan products, including Conventional, FHA, VA, USDA, Jumbo, and specialized Non-QM options like Bank Statement and DSCR investor loans. Banco Mortgage prides itself on its tailored approach, assisting a wide range of clients from first-time homebuyers to seasoned investors seeking financing for primary residences, second homes, or investment properties.
Committed to transparency and efficiency, Banco Mortgage leverages an accessible online application process and a streamlined digital closing system. Their focus on client education and support ensures borrowers are well-informed throughout their homeownership journey, aiming to simplify complex mortgage processes and deliver exceptional service.
Company Information
Founded: 2004
Lender Type: Direct Lender
Headquarters: Lake Oswego, OR
Licensed In
ORWACAIDAZ
Certifications & Credentials
FHA ApprovedVA ApprovedUSDA Approved
Digital Capabilities
Online Application
Digital Closing
Home Loan Products
Conventional Home Loans
Loan Types:
ConventionalRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
3%
Min Down Payment
97%
Max LTV
620
Min Credit Score
FHA Home Loans
Loan Types:
FHARefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoManufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment Program
Available Terms:
15 years30 years
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
96.5%
Max LTV
580
Min Credit Score
VA Home Loans
Loan Types:
VARefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoManufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-EmployedRetired
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Available Terms:
15 years30 years
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
580
Min Credit Score
USDA Home Loans
Loan Types:
USDA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Available Terms:
30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
620
Min Credit Score
Jumbo Home Loans
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Good (680-739)Excellent (740+)
10%
Min Down Payment
90%
Max LTV
680
Min Credit Score
Non-QM Loans
Loan Types:
Non-QMBank StatementDSCR
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-EmployedInvestorBusiness Owner
Income Verification:
Bank StatementNo Income Verification
Special Programs:
Bank Statement ProgramSelf-Employed Program
Available Terms:
30 years
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
10%
Min Down Payment
90%
Max LTV
580
Min Credit Score
Contact Information
379 Hamilton Row
Birmingham, MI 48009
US
Mailing Address:
P.O. Box 707 Lake Oswego, OR 97034
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Business Information
Category: Mortgage Lender
Location: Birmingham, MI
Status: Standard
Founded: 2004
Type: Direct Lender
NMLS ID: 179379
Profile Views: 0
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