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October 1, 2024
Denise Cuddeback Montgomery
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Denise Cuddeback Montgomery

Branch Manager • Eugene Branch • NMLS #57734

Mobile number
541.912.6028
Phone number
541.342.7576
1400 Executive Parkway, Suite 300, Eugene, OR 97401

About Denise

With more than 30 years of mortgage lending experience, Denise Cuddeback Montgomery helps homebuyers, homeowners, and real estate investors find financing solutions that fit their individual goals. Based in Eugene, Oregon, Denise serves clients throughout Lane County and across Oregon, as well as borrowers in other states where she is licensed.

Denise began her mortgage career in 1992 after graduating from the University of Oregon Business School and became a branch manager in 1999. Her approach has always been simple: educate clients, communicate clearly, and treat people the way she would want to be treated.

Experience With Traditional and Hard-to-Finance Loans

In addition to conventional, FHA, VA, USDA and jumbo mortgages, Denise has extensive experience finding solutions for borrowers and properties that do not always fit traditional lending guidelines.

  • First-time homebuyer loans and down-payment assistance
  • FHA, VA and USDA financing
  • Conventional and jumbo mortgages
  • Renovation loans, including FHA 203(k) financing
  • Manufactured-home financing, including homes in manufactured-home parks
  • Bridge loans for buyers who need to purchase before selling their current home
  • Self-employed and nontraditional-income borrowers
  • Bank-statement and alternative-income loan programs
  • Investment-property and DSCR financing
  • Financing for unique or difficult-to-finance properties and borrowers
  • Refinance and debt-restructuring strategies

Denise believes a mortgage should be part of a client’s overall financial plan—not simply a transaction. She takes time to explain loan options, monthly payments, cash requirements and long-term financial considerations so clients can make informed decisions.

A Local Eugene Mortgage Resource

Having worked in mortgage lending for more than three decades, Denise understands the Eugene and Lane County housing markets and works closely with local real estate professionals throughout Eugene, Springfield and surrounding communities.

She is known for tackling challenging transactions, providing thorough pre-approvals and maintaining strong communication throughout the mortgage process. Denise and her team are also available when clients and real estate agents need them—including evenings and weekends when buyers are preparing offers.

Whether you’re buying your first home, moving up, purchasing an investment property, financing a manufactured home, renovating a property, or trying to find a solution after another lender has said no, Denise welcomes the opportunity to review your situation and explain the options that may be available.

Licensed in OR, WY, MN, CO, FL, AZ, CA, ID, MT, TX and WA

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This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Licensed by the Dept. of Financial Protection and Innovation under the CRMLA. CA-DRE #01215943; Massachusetts Mortgage Broker License MC 1850/LS 1850; AZ BK 0906702. Licensed by the NJ Department of Banking and Insurance. Rhode Island Licensed Lender. Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details. For licensing information, go to NMLS Consumer Access, NMLS #1850. Equal Housing Opportunity

Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency..

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. The APM DBA is not in use in Idaho.

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