Loan programs · Oregon

DSCR loan officers in Oregon

As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Oregon whose lender pages show DSCR loan work. The top-ranked are Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene), Aaron Rodriguez (CrossCountry Mortgage, Lake Oswego) and Eric Whitney Hexum (Guild Mortgage, Kennewick). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 10

  1. 1

    Denise Cuddeback MontgomeryNMLS 57734

    American Pacific Mortgage · Eugene, OR · licensed in 11 states

    • DSCR loan
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Office in Eugene, OR
    • Licensed since 2023 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  2. 2

    Aaron RodriguezNMLS 452234

    CrossCountry Mortgage · Lake Oswego, OR · licensed in 3 states

    • DSCR loan
    • Jumbo loan
    • Construction loan
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Office in Lake Oswego, OR
  3. 3

    Eric Whitney HexumNMLS 1569697

    Guild Mortgage · Kennewick, WA · licensed in 3 states

    • DSCR loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  4. 4

    Erik BrowningNMLS 2264602

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states

    • DSCR loan
    • FHA loan
    • HELOC
    • Self-employed
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Colorado records)
  5. 5

    Jim BrettlNMLS 455400

    Xpert Home Lending · Mortgage broker · licensed in 13 states

    • DSCR loan
    • Bank statement loan
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
  6. 6

    Steve AndersonNMLS 1096829

    Lit Financial Corporation · licensed in 12 states

    • DSCR loan
    • Bank statement loan
    • HELOC
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2015 (per Florida records)
  7. 7

    David K. Clark IIINMLS 1375791

    Lit Financial Corporation · licensed in 5 states

    • DSCR loan
    • Bank statement loan
    • Non-QM loan
    • HELOC
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
  8. 8

    Desiree' ByrneNMLS 2122934

    Xpert Home Lending · Mortgage broker · licensed in 16 states

    • DSCR loan
    • Construction loan
    • HELOC
    • Renovation loan (203k / HomeStyle)
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Colorado records)
  9. 9

    Henry DoNMLS 1863960

    Lit Financial Corporation · licensed in 7 states

    • DSCR loan
    • Bank statement loan
    • Condo
    • Jumbo loan
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Colorado records)
  10. 10

    Ryan McGranNMLS 2520487

    Lit Financial Corporation · licensed in 19 states

    • DSCR loan
    • Bank statement loan
    • Condo
    • Jumbo loan
    • OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Colorado records)

Before you choose

Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.

  • What minimum DSCR do you require, and how do you calculate rent?
  • Can I close in an LLC?
  • What prepayment penalty options do you offer?

More about DSCR loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a OR license is confirmed with the state regulator (check mark), OR is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=dscr&state=OR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.