MT: 1925 Grand Ave. #127 PMB 637
Billings, Montana 59102
CA: 7412 Elsie Ave Suite 300
Sacramento, CA 95828
My Bio (Scroll Down)
I am a happily married father of 4 beautiful children who seem to be growing up way too fast. My wife and I work as a husband and wife team, I am the loan officer and she assists in getting files to the finish line once they go into contract as my processor/loan officer assistant. We enjoy the outdoors as a family hiking, camping, and seem to always be in some sort of sporting game/event each weekend for the kids. I want to ensure I am available for clients after standard business hours because offers are being made on nights and weekends and I feel I’m an important part of that process. I’m also big on giving whoever is in front of me 100% of my attention, so if I miss your call please know I will call ya back as soon as I am able to to keep the process moving and ensure you are taken care of. I’m excited for the opportunity to get to know you, and help you meet your mortgage goals!
Pacific Wholesale Mortgage is a mortgage broker who works with over 50 different mortgage banks/wholesalers. As such, we have hundreds of products to offer our clients from non-qualified mortgages (hard money, bank statement only, DSCR, ITIN, etc.) to the standard Fannie/Freddie products like conventional, JUMBO, VA, FHA and USDA. With so many banks to choose from, we pride ourselves in being able to better serve a more diverse set of borrower needs, and with more bank competing for our business, our rates and fees are closer to the wholesale level. Our company mantra is “we win when you do” so helping our business partners and clients meet their goals is our goal.
Senior Loan Officer
NMLS# 1233188
Direct: 916-259-6302
Email: ross.doug@outlook.com
Loan Officer Assistant and Processor
CO. NMLS# 979693
Direct: 209-298-0544
Email: ross.team@outlook.com
To get to know me, you first have to understand that my family is my everything. Doug and I are a husband and wife working duo. I decided to join the mortgage world to hang out with the hubs more but ended up really enjoying helping people purchase their homes. We have four kiddos, Nathan, William, Natalie, and Aurelia.
If we aren’t working, we are driving kids around to sports and activities, hiking or taking family vacations to make the best we can of spending time together while our kiddos are still at home. We also try and bring along Lolo, our family mascot (pup/bernedoodle). Since we have a family business, we strive to treat and take care of our clients and realtors like they are family. I look forward to working with you!
MT: 1925 Grand Ave. #127 PMB 637
Billings, Montana 59102
CA: 7412 Elsie Ave Suite 300
Sacramento, CA 95828
When I bought my first home, my loan officer who helped my wife and I get that loan had minimal communication and I had to prompt them for information every step of the way. I felt like I was being an annoyance whenever I requested what I felt was very basic and relevant information regarding my loan details. I never want you as my client to ever feel that way when working with me. My background prior to getting into lending was working as a project manager for the Army Corp of Engineers where clear and pro-active communication was the expectation if we hoped to do well at our jobs, so I was surprised at how different getting a mortgage seemed to be in that area.
It is my believe that all frustration comes from un-met expectation. The origination & escrow process can come with a lot of potential twists and turns, and my goal is to ensure good education to prepare you for that process and what is to come so you are ready. The other piece to that education is empowering you to make the right choice regarding what types of loans may best fit your unique goals and lending scenario (credit score, income, and asset situation). And once the loan is closed and you get your keys, I love to stay in touch after the transaction has ended to ensure I continue to be here for you for years to come should any other mortgage lending questions or needs arise.
I am a happily married father of 4 beautiful children who seem to be growing up way too fast. My wife and I work as a husband and wife team, I am the loan officer and she assists in getting files to the finish line once they go into contract as my processor/loan officer assistant. We enjoy the outdoors as a family hiking, camping, and seem to always be in some sort of sporting game/event each weekend for the kids. I want to ensure I am available for clients after standard business hours because offers are being made on nights and weekends and I feel I’m an important part of that process. I’m also big on giving whoever is in front of me 100% of my attention, so if I miss your call please know I will call ya back as soon as I am able to to keep the process moving and ensure you are taken care of. I’m excited for the opportunity to get to know you, and help you meet your mortgage goals!
If you are interested in owning a home, but are not able to come up with a large down payment, then an FHA loan may be an option worth considering if:
- You are looking for a small down payment (Minimum of 3.5% down).
- Have a mid-grade credit score (Minimum FICO score of 580).
- Plan on receiving the down payment as a gift from your family.
Some other things to keep in mind when deciding if the FHA loan is right for you and your family:
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you are a qualified Service Member, Veteran or eligible surviving spouse of a veteran, a VA loan is often the best home loan option for eligible borrowers offering safe, flexible loan products with favorable loan terms.
- No down payment required.
- Minimum FICO score of 620.
- No mortgage insurance.
- 100% of your closing cost can come from a family member.
- Sellers can contribute up to 4% towards your down payment or closing costs.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you're looking to become a homeowner in a rural area, then a USDA loan may be your best option.
- No down payment required.
- Lower mortgage insurance than FHA loans.
- Minimum FICO score of 620.
- Possibility of financing your closing costs.
- Sellers can contribute up to 6% towards your down payment or closing costs.
- 100% of your closing cost can come from a family member.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you have a strong down payment and are a strong qualifier, then a Conventional loan may be an option worth exploring.
- 3% minimum down payment.
- Minimum FICO score of 620.
- No mortgage insurance with 20% down.
- Allowed on primary, 2nd, and investment properties.
- Fixed-rate, adjustable-rate or Hybrid options.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you are looking to finance a higher-priced or luxury home, or a loan above $647,200, then a Jumbo loan may be an option. This loan product typically requires a lower debt-to-income ratio and a higher credit score. First-time homebuyers are eligible and borrowers can qualify for fixed or adjustable rates with various term options. Jumbo mortgage loans can be used to finance primary homes, as well as investment properties and vacations homes.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you are self-employed or a small business owner who may not have traditional income documentation, the Bank Statement Only loan program is a great option. This program allows you to qualify for a mortgage based on personal or business bank statements instead of tax returns. For instance, if you run a small business and have substantial deposits in your bank account but minimal reported taxable income, this program would consider your cash flow as proof of income. This solution is perfect for borrowers who need an alternative method to verify income and offers competitive rates and flexible terms.
Loan conditions are subject to change without notice. All borrowers are subject to underwriting and qualification. Restrictions may apply.
Designed specifically for real estate investors, the DSCR loan program allows qualification based on the cash flow generated by the property rather than your personal income. For example, if you own a rental property that generates $2,500 in monthly rent and your mortgage payment is $2,000, your DSCR would be 1.25, meaning your property’s income covers the debt obligations. This program is ideal for investors looking to expand their portfolios without affecting their personal income qualifications. There are flexible credit score requirements, and no tax returns are needed, making this a hassle-free way to finance rental properties.
Loan conditions are subject to change without notice. All borrowers are subject to underwriting and qualification. Restrictions may apply.
The Hard Money Fix & Flip loan is perfect for real estate investors aiming to purchase, renovate, and quickly sell properties for a profit. For instance, if you find a distressed property priced at $150,000 and plan to spend $50,000 on renovations, this program would consider the property’s after-repair value (ARV) for financing. With fast approvals and funding, you can seize time-sensitive opportunities. These short-term loans are tailored to help you cover the purchase and renovation costs, allowing you to quickly flip properties and maximize your return on investment.
Loan conditions are subject to change without notice. All borrowers are subject to underwriting and qualification. Restrictions may apply.
Rehab Loans are designed for those looking to purchase and renovate a property, whether for personal use or as an investment. For example, if you purchase a fixer-upper home for $200,000 and estimate $75,000 for renovations, this loan can cover both the acquisition and improvement costs. This program offers flexible terms and rates tailored to your renovation project, making it easier to transform a property into your dream home or a lucrative investment. The loan amount is typically based on the property's future value after renovations.
Loan conditions are subject to change without notice. All borrowers are subject to underwriting and qualification. Restrictions may apply.
The ITIN loan program is tailored for borrowers without a Social Security Number who want to purchase a home in the U.S. If you are a non-U.S. citizen working and paying taxes using an ITIN, this loan provides an accessible pathway to homeownership. For instance, if you have been renting for years and want to buy a home, this program allows you to qualify using your ITIN, with flexible credit and income documentation requirements. This makes it possible to achieve your goal of owning a home, even if you don’t have traditional documentation.
Loan conditions are subject to change without notice. All borrowers are subject to underwriting and qualification. Restrictions may apply.
Buying a new home is a big financial step, even for the most experienced homebuyer. Homebuyer education courses help prepare you for homeownership, shop for a new home and learn how good credit can work for you. In addition, educating yourself about homeownership helps you understand responsibilities such as insurance, taxes and home maintenance.
If you're a first-time homebuyer looking to purchase a home through Fannie Mae HomeReady Mortgage program, you will need to participate in a homebuyer education program. There are lots of ways you can fulfill this requirement: Courses are offered via telephone, CD-ROM, online, face-to-face, etc., and are often provided free of charge. Once you complete the course, you will receive a certificate plus valuable knowledge that will put you on the path to homeownership.
Fannie Mae HomeReady Mortgage loans available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply.
Refinancing your home can be an excellent way to bring down your monthly mortgage payment, raise cash, or consolidate debts with high interest rates. Many factors may influence or drive the decision to refinance, to include the difference between current interest rates and the rate of your original loan. You might also consider the amount of time it will take to recoup the costs of refinancing.
Some common reasons homeowners refinance include:
- Lower monthly mortgage payments.
- Convert an adjustable rate mortgage (ARM) to a fixed-rate mortgage.
- Raise funds for family expenses (i.e. college tuition).
- Pay off high-interest loans.
- Home improvements.
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