Equal Housing Opportunity • NMLS #1286818 • Nationwide Loans Inc.
25+ Years
Local mortgage expertise
Strong Pre-Approvals
Agents respect my letters
Clear Pricing
Points vs. credits, modeled
Popular loan options in Medford
Conventional
Clear rate/point tradeoffs for 15–60 day locks
Strong pre-approval letters agents trust
Fixed & ARM options
FHA
Flexible on credit history
Streamline refi options
Clear MI guidance & timelines
VA
Competitive purchase & IRRRL refi
Guidance for eligibility & docs
Fast, veteran-friendly process
Availability varies by credit, income, property, and program rules. Not all applicants will qualify.
Areas I serve around Medford
East Medford
West Medford
Jacksonville
Central Point
Why local buyers choose LoanGuyBri
Transparent rate, points, and credits — no games
Strong pre-approval letters local agents trust
Fast communication with your Realtor, escrow, and appraiser
Local market coordination for on-time closings
Points vs. Credits — what’s smartest?
I’ll quote both and model your breakeven based on lock period and time-in-home. If you’ll keep the loan beyond breakeven, points may win; otherwise a lender credit can lower cash-to-close.
What clients say in Medford
“Clear explanations. Transparent options.”
— T. C., Medford
“Fast communication with our agent and a smooth close.”
