Summer Freeman
Mortgage Broker and Branch Manager, Mortgage Marketplace
Compassion, Experience, Expertise
NMLS #360504
Based in Eugene, OR
A mortgage broker here to serve, not sell. Summer helps homebuyers and homeowners compare options from many lenders with clear education and a plan built around their goals.
Independent Brokerage, Many Lenders
Licensed in 7 States
NMLS #2367229
Decades of Combined Experience
28 Years of Mortgage Experience You Can Trust
Summer Freeman is a Mortgage Broker and Branch Manager with over 28 years in the mortgage and real estate industry. Based in Eugene, Oregon, she helps homebuyers and homeowners throughout Oregon, California, Idaho and Washington find financing that fits their goals, and she makes complicated decisions understandable.
Summer started in real estate in 1998 and worked her way up from secretary to senior processor and mobile notary, then client concierge and loan partner. She spent years managing transactions so they closed on time with every party informed. Her own homeownership journey helps her relate to each client’s path, and she approaches every client like family.
She believes everyone deserves the chance to explore homeownership and build long-term wealth through real estate. Whether you are buying your first home, investing, accessing home equity, refinancing or planning for retirement, Summer helps you compare Down Payment Assistance and grants, Conventional, FHA, VA, USDA and Jumbo loans, investment property financing including DSCR loans, alternative documentation programs for self-employed borrowers, HELOCs and home equity loans, and reverse mortgages.
Summer’s commitment does not end at closing. Her goal is simple: to be your trusted mortgage resource for life.
Housing Oregon's Heroes
Summer works with teachers, healthcare professionals, first responders, law enforcement officers, veterans and military families through Housing Oregon’s Heroes, created by Mortgage Marketplace founder Mike Gillett, which offers discounted lending costs when purchasing or refinancing a home.
Why Clients Choose Summer
Branch Manager of the Eugene Office
28 Years in Mortgage and Real Estate
First-Time Buyer, Refinance, Home Equity and Reverse Mortgage Guidance
Investor and Self-Employed Financing Experience
Here to Serve, Not Sell
Active in the Eugene and Springfield Community
Answers Before You Ask
Who is Summer Freeman at Mortgage Marketplace?
Summer Freeman is a Mortgage Broker and Branch Manager with Mortgage Marketplace, based in Eugene, Oregon. She has worked in the mortgage industry since 1998 and helps homebuyers, homeowners and investors understand and compare mortgage options based on their goals. Her NMLS number is 360504. She is here to serve, not sell, and giving back to the community is central to how she works. She is a member of the Eugene and Springfield chambers of commerce, serves as Affiliate Director on the Springfield Realtor board, and sits on the Eugene Realtors YPN committee, which supports community leadership and raises funds for local organizations in need.
Where is Summer Freeman located?
Summer Freeman works from Mortgage Marketplace’s Eugene office at 590 Pearl St, Suite 300, Office 319, Eugene, OR 97401. She works with clients on home purchases, refinancing, home equity, reverse mortgages, investment properties and other mortgage options throughout Oregon, California, Idaho and Washington.
How much mortgage experience does Summer Freeman have?
Summer started in the real estate industry in 1998 and found her passion in mortgages. She worked her way up from secretary to senior processor and mobile notary public, then client concierge and loan partner, spending years making sure transactions ran smoothly, closed on time and left every party informed. As a loan advisor today, she brings compassion, experience and expertise to her clients and referral partners, and her own homeownership journey helps her relate to each person’s path. Her focus is helping clients understand their options, choose the program that fits, and walking them through the process and beyond.
What types of mortgage loans does Summer Freeman help with?
There is no one-size-fits-all program. Summer works with each client to compare conventional, FHA, VA, USDA and jumbo home loans, along with reverse mortgages, renovation loans, home equity loans and HELOCs, DSCR loans for investors, and alternative documentation programs for self-employed borrowers.
Does Summer Freeman work with first-time homebuyers in Eugene, Oregon?
Yes. Summer works with first-time homebuyers and knows how stressful the unknown can be the first time through. She helps buyers understand their mortgage options, qualification requirements and the financing process, with an approach built on education and clear choices for each buyer’s situation.
Does Summer Freeman help homeowners refinance their mortgage?
Yes. Summer helps homeowners review refinance options based on their existing mortgage, financial goals and current circumstances, including debt consolidation, renovation and cash-out refinances, and rate-and-term refinances. As an independent mortgage broker with Mortgage Marketplace, she can compare options from multiple lenders.
Does Summer Freeman help with HELOCs and home equity loans?
Yes. Summer works with homeowners exploring HELOCs and home equity loans, which let qualified homeowners access available equity without necessarily replacing their existing first mortgage. Common uses include home improvement and renovation projects, adding an ADU, and consolidating debt.
Does Summer Freeman work with real estate investors?
Yes. Summer works with real estate investors exploring financing options, including DSCR loans. DSCR financing is designed for certain investment-property scenarios where qualification focuses on the property’s rental income rather than relying only on the borrower’s personal income documentation.
Does Summer Freeman work with self-employed borrowers?
Yes. Summer works with self-employed borrowers and business owners exploring alternative documentation mortgage programs. Net income on tax returns often does not reflect what a business owner can afford. Depending on the program and borrower qualifications, documentation options may include bank statements, 1099 income or a profit and loss statement.
Does Summer Freeman work with seniors?
Yes. Summer has a passion for serving older members of the community. She often helps seniors who need a HELOC or cash-out refinance to cover medical bills, unexpected debt or a higher cost of living, and she helps those who want to age in place or move to a care facility understand the options that fit their needs, including reverse mortgages.
Does Summer Freeman work with healthcare professionals, law enforcement, firefighters and first responders?
Yes. Summer works with programs designed for healthcare professionals and first responders that, for eligible borrowers and subject to program guidelines, may offer reduced down payment requirements and alternative treatment of student loan debt. She also works with Housing Oregon’s Heroes, created by Mortgage Marketplace founder Mike Gillett, which offers discounted lending costs to community heroes.
How do I schedule a mortgage consultation with Summer Freeman?
You can schedule a mortgage consultation through her online booking calendar at go.mortgagemarketplace.loans/mortgage_consultation_summer_freeman. Clients can also contact her directly at 541-654-6158 or summer@mmhomeloans.com.
Ready to Talk Through Your Options?
Schedule a call with Summer and take the next step with confidence.