Working with over 100 different lenders allows us to find you the best interest rates and programs available. We realize that every situation is unique so we customize our loans to your needs. With thousands of loan options available, we’ve chosen not to quote interest rates on this site. Just know that we can meet or beat any other lender and routinely save our clients thousands of dollars on fees. Call or email us for an immediate rate quote.

You’ll find no junk fees at
Rose City Mortgage.

We offer all types of real estate financing including:

  • Purchases
  • Refinances
  • $0 Down loans
  • Green Building Construction
  • Lot loans
  • Home Equity Line
  • Multifamily
  • Commercial
  • First Time Homebuyer
  • Stated Income
  • No Documentation

Our employees attend monthly training to keep on top of the latest trends in the mortgage industry. Here are some of the current loan programs available:

Interest Only Loans allow you to pay only the interest due monthly. No principal payment is due for the first few years of the loan. This type of financing is a good way to keep monthly payments low and affordable.

80/20 Loans are a great way to get into a home with no down payment. This is actually two loans. The first mortgage is for 80% and the second mortgage for 20% of the home value. Breaking the transaction into two loans allow us to eliminate mortgage insurance thereby reducing your monthly payment.x

Fixed Pay or Pay Option Arms are one of the hottest loan options available. These are adjustable rate loans that allow you to pay a low fixed payment for the first years of the loan. The payment on the fixed pay arms is the lowest currently available with interest rates starting at 1%.

30 Year Fixed – this old favorite is a good deal again. Fixed rates are still so low that they’re now about the same adjustable loans. Lock in your long term financing now.