Hilltop Home Loans empowers clients to fulfill the dream of homeownership by offering competitive pricing, the best product to fit individual needs, and our pledge to provide a prompt and efficient closing. As a wholesale mortgage broker, we are in a unique position to partner with multiple, highly rated lenders to secure our clients the best possible rate and programs available. Whether our clients want to purchase a first home, upgrade to a dream home, or refinance a current home, we can help. In every step of the homeownership process our clients’ needs and goals are our focus as we listen to create the best strategy for achieving them.
A conventional mortgage loan is a “conforming” loan (it meets the requirements for Fannie Mae or Freddie Mac). Fannie Mae and Freddie Mac are government sponsored operations that buy mortgages from lenders and sell them...
A conventional mortgage loan is a “conforming” loan (it meets the requirements for Fannie Mae or Freddie Mac). Fannie Mae and Freddie Mac are government-sponsored operations that buy mortgages from lenders and sell them to investors. The goal is to free up lenders’ funds so they can get more qualified buyers into homes. Conventional loans typically have stricter credit requirements than government-backed loans like FHA loans. There’s no single set of requirements for borrowers because different sets of guidelines fall under the umbrella of “conventional loans”.
FHA loans are backed by the US Government. The interest rates are traditionally lower, and you only need a 3.5% down payment. FHA loans have less stringent credit guidelines compared to conventional mortgages...
FHA home loans are backed by the US Government. The interest rates are traditionally lower, and you only need a 3.5% down payment. FHA loans have less stringent credit guidelines compared to conventional mortgages because they are backed against default by the federal government. For this government guarantee borrowers pay an upfront funding fee (can be financed into the loan) and a monthly “Mortgage Insurance Premium” for the life of the loan, in most cases. However, first-time homebuyers with lower credit scores tend to choose this because it's easier to qualify for.
VA helps Service members, Veterans, and eligible surviving spouses become homeowners. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. No downpayment is required...
VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. No downpayment is required. Competitively low interest rates, limited closing costs, no need for Private Mortgage Insurance (PMI), and it’s a lifetime benefit that can be used multiple times. Closing costs are limited and may be paid by the seller. There is no prepayment penalty if the borrower pays off the loan early.
When you get a fixed-rate mortgage, your interest rate stays the same for the life of the loan. Whether you have a 10-year, 15-year, 20-year, or 30-year mortgage, a fixed rate means exactly that: Your interest rate...
When you get a fixed-rate mortgage, your interest rate stays the same for the life of the loan. Whether you have a 10-year, 15-year, 20-year, or 30-year mortgage, a fixed rate means exactly that: Your interest rate will never change, regardless of what happens in the market.
Fixed rate: Lower risk. Higher interest rate. Rate doesn’t change. Monthly payments and interest stay the same.
To be eligible for a home loan while self-employed you will be asked to document the following: Income stability, the location and nature of your self-employment, the financial strength of your business, and the ability of your business...
To be eligible for a home loan while self-employed you will be asked to document the following: Income stability, the location and nature of your self-employment, the financial strength of your business, and the ability of your business to generate sufficient income in the future.
As your own boss, you want your business to look its best to prospective clients. As someone who wants to buy a home, you want your loan application and financial status to look its best to lenders. We will help you navigate the process.
When a property is too expensive for a conventional conforming loan, a jumbo loan is a mortgage used to finance it. In most counties, the maximum amount for a conforming loan is $647,200 , as determined by the Federal Housing Finance...
When a property is too expensive for a conventional conforming loan, a jumbo loan is a mortgage used to finance it. In most counties, the maximum amount for a conforming loan is $647,200 , as determined by the Federal Housing Finance Agency (FHFA). A jumbo loan is necessary for homes that exceed the local conforming loan limit.
Jumbo loans are considered riskier for lenders because these loans can’t be guaranteed by Fannie Mae and Freddie Mac, so the lender is not protected from losses if a borrower defaults. Jumbo loans are usually available with either a fixed interest rate or an adjustable rate.
A FICO above 680, and sometimes as high as 720, may be required to qualify for a jumbo loan. Your debt-to-income ratio (DTI) will also be considered to ensure you don’t become over-leveraged. Plentiful cash reserves may offer flexibility. You’re more likely to be approved for a jumbo loan if you have ample cash in the bank.
Aaron Callahan made it great! Excellent A+ service, Aaron was there with every step of the way. I had zero worries, Aaron really makes you feel like you are his only client, responsive, attentive all around an excellent experience.
Aaron maintained a proactive and professional demeanor throughout the protracted and rigorous process. Yet his engaging and friendly personality made the process enjoyable. Thank you Aaron!
Aaron did an incredible job helping my wife and I understand and navigate each stage of the home loan process. We was quick to respond, knowledgeable, and provided friendly service every step of the way.
I was a nervous wreck. But Aaron was patient and got me through all the paperwork and was very clear on what I had to do. I would not hesitate to recommend Aaron and his company to anyone I know. Thank you.
We decided to refi to use some of the equity in our home for updates and repairs. Our bank claimed we didn't qualify for a VA refi. We were referred to Aaron by our previous Real Estate agent from Bend Dreams Realty. We have had 8 mortgages over our lives and Aaron and his staff were the most responsive and helpful out of all the financial people we have had to deal with. He is easy going and has no problem answering whatever questions you have without attitude. There were a few communication problems with the lender but Aaron and company jumped in and helped pull things together. With Aaron there is no such thing as a lack of communication. If you need a mortgage you won't go wrong with Aaron.
Don't shop Banks for a loan. Call Aaron.
We needed cash to buy a house, and fast! Our bank gave us poor options, and a loan process of 5-8 weeks. Same story from another major bank. On an off-chance remark to our real estate agent, she suggested Aaron. He knew of a lender with better loan terms (loan amount and rate) who could close quickly. 3.5 weeks later we had the cash in our bank and are closing on a new house in 3 days. Aaron and his team were on-it the whole way. the process was straight forward and allowed us to make a winning cash offer on a new house, in this challenging market. Thanks Aaron!
Aaron helped my family of three secure a loan in one of the craziest markets we have experienced. The process was extremely exhausting for both my husband and I; however, Aaron navigated the process with ease. He is extremely talented, professional, thorough, kind, and cares about the financial health of our family...not just securing a loan. He assured us that he would be with us along the journey until the right home came along and this was exactly the case! It took patience and a ton of work for Aaron. He handled everything flawlessly and continued to have great communication with both my husband and I throughout the entire process. When looking for someone to help finance our home, we wanted someone with integrity, someone that would actually understand the importance of home ownership to us…Aaron does! We cannot speak higher of him and would recommend him to anyone and everyone!
We had to switch mortgage brokers 10 days into a 30 day escrow. Our realtor recommended Aaron Callahan and we couldn't be more thrilled that she did. Within 5 hours of our first conversation, Aaron had us pre-approved and our rate locked. He and his assistant Mara are machines! They knocked down every wall, called in every favor, pushed back on the lender when they needed to and ultimate helped us to get a great rate and close on time. Both Aaron and Mara are extremely responsive staying in constant communication every step of the way. Aaron is my new go-to broker. I won't do another loan without him. If I could give him 10 stars, I would.
Our realtor suggested we use Aaron for our loan. She was very confident in his ability to make it happen for my family! From the beginning of the process, he was very responsive and let us know exactly what we needed each step of the way! We had a tricky loan, and he would communicate all day and evening (even on the weekends if necessary) to make sure we didn’t skip a beat to make the loan possible! I really enjoyed working with him and his assistant Mara, and I am so fortunate that he got us into our cozy home on some property! We look forward to working with him again in the future! If there is a will, Aaron will find a way!
Aaron is a rock star in our family! He made a difficult loan process in an extremely stressful market look easy and we will always be so grateful to him. He went above and beyond answering my questions after hours, being there for every offer we put in, all the way to holding our hands at the signing table. We don’t say this lightly… we give him our highest recommendation!
Aaron was great to work with. He checked in consistently so I never felt like I was guessing what was going on with the loan process. He made buying our first home comfortable and smooth. His assistant, Mara, is wonderful too! Highly recommend working with him and his team!
Aaron was awesome-he patiently guided me through the entire loan process. He was on top of all my emails and was quick to respond if I had questions. It was the easiest & best mortgage transaction I have ever had. I highly recommend Aaron and his team
Aaron kept us informed every step of the way. Had our best interest and make sure we were locked into the best rate. I look forward to working with Aaron in the future! Thank you Aaron and your team for an outstanding experience!
Aaron was amazing at communicating with everyone involved and coordinating all the details to ensure a smooth loan process! Fast, efficient and outstanding service! Thank you Aaron!
Trying to buy a house during very volatile interest rate changes. Aaron was on top of the situation from start to finish and I’m convinced I got a better interest rate than I would have elsewhere and excellent customer service from Aaron and his team at elev8 Mortgage! Thanks for your help
Definitely gonna recommend him to friends and family thinking about moving to the area. Made sure that we were well taken care of and that we were aware of every step and deadline in the process. Made the entire buying experience super smooth and did his best to ensure we had no issues. Any problems that did arise, he had solutions for. 10/10
Working with Arron has been wonderful. He took the time to thoroughly answer any questions we had and always replied to communication quickly. I hope to work with Arron again in the future. Top notch 👍
BROKER / OWNER HILLTOP HOME LOANS IN CENTRAL OREGON
With 15 years in the mortgage industry and over 45 million in fundings in the last 2 years alone, Aaron Callahan is an experienced mortgage professional, able to expertly navigate the mortgage loan process for his clients. He enjoys connecting with clients in a way that makes buying a home feel effortless. He provides communication and resources that save time, reduce costs, and support smart home loan decision-making.
Aaron holds himself to the highest standard and offers transparency in all operations and in each transaction. He values the confidence of his clients, lending partners and community and continually works to maintain it long-term.
Home buying doesn’t have to be stressful. Let us simplify the process and walk you through it.