Jennifer Bates
Sr. Loan Officer | Broker
Welcome To My Website
Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
Meet Jennifer
Featured Loan Programs
Conventional Loans
Standard home financing with flexible terms and competitive rates for qualified buyers.
FHA Loans
Government-backed loans with lower down payment requirements, perfect for first-time homebuyers.
VA Loans
Zero down payment options with excellent rates for our veterans and active military members.
Jumbo Loans
Specialized financing for luxury properties that exceed standard conforming loan limits.
Schedule an Appointment
Spot On Lending
Mortgage Consultation
Get A Quick Quote
Fill out the form below and I'll get back to you as soon as possible with personalized rates.
Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. Advertised monthly payment is for illustrative purposes only and assumes above sales price and borrower qualification. Rates above reflect 30 day pricing. Rates, terms and availability of loan programs are subject to change without notice. Rate and APR will vary based on factors such as points, loan amount, loan-to-value, borrower's credit, property type and occupancy. Minimum credit score required. Not a commitment to lend. For informational purpose only; not intended as legal, tax or financial advice. Monthly payment includes estimated principal, interest, taxes, insurance and estimated mortgage insurance premium, when applicable, only. Loan programs are subject to underwriting guidelines which are subject to change without notice, which limit 3rd party contributions, and occupancy status in home. NMLS ID 1572872
* For government programs, actual loan amount is higher due to upfront mortgage insurance added into loan amount.