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Mortgage Loans in Medford & Southern Oregon

Conventional - FHA - VA - USDA - Jumbo - Refinance | Licensed in AZ, CO, ID, OR, WA and WY

Summit Lending Solutions is based in Medford and serves Southern Oregon homebuyers throughout the Rogue Valley, including Ashland, Jacksonville, Central Point, Eagle Point, and Grants Pass. We also continue to provide mortgage options for Phoenix-area clients and borrowers across our licensed states.

Get Pre-Approved Free(541) 228-9888

Find the Right Mortgage for Your Situation

As an independent mortgage broker, Craig Pribyl at Summit Lending Solutions shops dozens of lenders to match you with the competitive program options and rate for your unique situation.

Explore Our Mortgage Programs

Click any loan type below to learn more and see if you qualify.

1

Conventional Loans

Best for buyers with good credit. Down payments as low as 3%.

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2

FHA Loans

Government-backed. Low 3.5% down and flexible credit requirements.

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3

VA Loans

Zero down payment for veterans and active duty military. No PMI.

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4

USDA Loans

USDA financing may be available to eligible buyers in qualifying rural areas, subject to program, lender, property, and borrower requirements.

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5

Jumbo Loans

Financing above conventional limits for luxury and high-value properties.

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6

Refinance

Explore whether refinancing could lower your rate or tap into home equity with a cash-out refinance.

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Loan Program 1

Conventional Loans - Flexible Financing for Qualified Buyers

Conventional loans are the most popular mortgage type in the U.S., offering competitive interest rates and flexible terms for buyers with solid credit.

  • Down payments as low as 3% for first-time buyers
  • No upfront mortgage insurance premium
  • You may be eligible for PMI cancellation, subject to applicable requirements
  • 2026 baseline conforming limit: $832,750 for a one-unit property in most areas; county limits may differ
  • Fixed and adjustable rate options available
  • Ideal for buyers with credit scores of 620+
Learn About Conventional Loans

Loan Program 2

FHA Loans - The First-Time Homebuyer Favorite

FHA loans are insured by the Federal Housing Administration and are designed to make homeownership accessible to more buyers.

  • Program guidelines and lender overlays affect minimum credit score and down-payment requirements; eligibility is determined case by case
  • Ask Craig to compare current FHA requirements and lender options for your situation
  • Seller can contribute up to 6% toward closing costs
  • Available for single-family homes, condos, and multi-unit properties
  • Interest rates and loan terms vary with program requirements, lender criteria, and borrower qualifications
  • Gift funds allowed for down payment
Learn About FHA Loans

Loan Program 3

VA Loans - Honoring Those Who Served

VA loans are one of the most powerful mortgage benefits available to eligible veterans, active duty service members, and surviving spouses.

  • Eligible borrowers may be able to purchase with no down payment, subject to lender approval, VA entitlement, appraisal, and qualification
  • No monthly private mortgage insurance (PMI) requirement; VA funding fees or other costs may apply
  • Competitive interest rates – often lower than conventional
  • No prepayment penalties
  • Flexible credit requirements
  • Available for purchase, refinance, and cash-out
Learn About VA Loans

Loan Program 4

USDA Loans - 100% Financing for Rural Homebuyers

USDA loans are backed by the U.S. Department of Agriculture and offer 100% financing for eligible buyers in rural and suburban areas.

  • Financing options may be available for eligible borrowers, subject to program, lender, property, and borrower requirements
  • USDA guarantee fees and other costs are subject to current program requirements
  • Competitive fixed interest rates
  • Available for primary residences only
  • Income limits apply based on household size and location
  • Property must be in an eligible rural or suburban area
Learn About USDA Loans

Loan Program 5

Jumbo Loans - Financing for High-Value Properties

Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. For 2026, the baseline conforming limit is $832,750 for a one-unit property in most areas; applicable county limits may differ.

  • Loan amounts above $832,750
  • Program options for qualified borrowers, subject to lender terms and underwriting
  • Fixed and adjustable rate options
  • Primary residences, second homes, and investment properties
  • Jumbo guidelines vary by lender and may include review of credit profile, income, assets, property type, and reserves
  • Craig shops multiple jumbo lenders for the competitive rate option
Learn About Jumbo Loans

Loan Program 6

Refinance - Explore whether refinancing could lower your rate or Access Your Equity

Refinancing your mortgage can be one of the smartest financial moves you make. Whether you want to explore whether refinancing could reduce your payment after considering costs and the new loan term, shorten your loan term, or tap into your home equity with a cash-out refinance, Summit Lending Solutions can help.

  • Rate-and-term refinance to lower your interest rate
  • Cash-out refinance to access home equity
  • Streamline refinance options for FHA and VA loans
  • Refinance closing costs may be paid at closing, included in the loan balance when permitted, offset by lender credits, or associated with a higher interest rate
  • Debt consolidation through cash-out refinancing
  • Craig compares dozens of lenders to find the competitive refinance options
Explore Refinance Options

Mortgage Loan Comparison at a Glance

Loan TypeTypical Min. DownTypical Min. CreditPMIBest For
Conventional3%620+May be required, depending on loan-to-value and programGood credit buyers
FHA3.5%580+Mortgage insurance or other program fees may apply; amounts and terms vary by program, lender, loan structure, and borrower qualifications.First-time buyers
VA0%FlexibleNo monthly private mortgage insurance; a VA funding fee or other costs may apply. Funding fees vary by loan and borrower factors, and eligible borrowers may be exempt.Veterans and military
USDA0%640+USDA guarantee fees may apply; amounts and terms are subject to current program and lender requirements.Rural homebuyers
Jumbo10-20%700+VariesLuxury properties

Disclaimer: This chart is provided for general educational purposes only. The credit score ranges, down payment amounts, and loan characteristics shown represent typical guidelines and may vary based on the lender, loan program, property type, and individual borrower qualifications. Loan eligibility, interest rates, fees, and mortgage insurance requirements are determined on a case-by-case basis and are subject to change. This information is not a commitment to lend, guarantee of approval, or offer of credit. Please contact us for personalized guidance based on your financial situation.

Not Sure Which Loan is Right for You?

Craig compares options from numerous wholesale lenders to identify competitive programs suited to your circumstances.

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Or call Craig directly: (541) 228-9888