Your Trusted Mortgage Partner in Montana & California

Helping families secure the right home loan with personalized care and competitive rates.

Family-Owned & Operated

Local & Licensed in Two States

After-Hours Availability

50+ Lender Options

Tailored Loan Solutions

Loan Programs We Offer

Through Pacific Wholesale Mortgage, Doug Ross Mortgage and Loans offers access to more than 50 trusted lenders and a wide range of financing options. This allows our team to find the right loan program with competitive rates and flexible terms for every homebuyer in Montana and California.

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FHA Loans

Low down payment options for qualified buyers (as little as 3.5%).

VA Loans

No down payment required for veterans and service members.

USDA Loans

100% financing for eligible rural properties.

Conventional Loans

Flexible down payments and competitive interest rates.

Jumbo Loans

For higher-priced or luxury homes above $647,200.

First-Time Homebuyers

Programs designed to make your first home purchase simple, affordable, and stress-free.

Refinancing

Lower your rate, reduce payments, or access home equity with a refinance that fits your goals.

Bank Statement Only Loans

Great for self-employed borrowers who don’t have traditional income proof.

DSCR Loans

Designed for real estate investors based on property income.

Fix & Flip / Hard Money Loans

Fast approvals for investment or renovation projects.

Rehab Loans

Finance both purchase and renovation in one loan.

ITIN Loans

Path to homeownership for borrowers without a Social Security Number.

Mortgage Made Personal

Meet the Doug Ross Mortgage Team

At Doug Ross Mortgage and Loans, Doug and Sorya Ross combine experience, integrity, and personal service to make home financing simple and stress-free. As trusted mortgage lenders in Montana and California, they guide clients from pre-approval to closing with clear communication and care. Partnering with Pacific Wholesale Mortgage, they offer access to 50+ lenders and competitive loan programs tailored to each homebuyer’s needs.

Doug Ross, Senior Loan Officer at Ross Mortgage & Loan

Doug Ross

Senior Loan Officer

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!

Sorya Ross, Loan Officer Assistant and Processor at Ross Mortgage & Loan

Sorya Ross

Loan Officer Assistant and Processor

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!

Montana & California Property

Relocating? We’ve Got You Covered

Whether you're moving to Montana or California, we’ll make your home financing process seamless.

Mountain cabin home, highlighting relocation to Montana is easy with Ross Mortgage & loan services.
California ocean boardwalk home, highlighting relocation to California is easy with Ross Mortgage & loan services.

Trusted by homebuyers in Montana & California

What Our Homebuyers Say

See why homebuyers across Montana and California trust Doug Ross Mortgage and Loans for clear communication, competitive rates, and a stress-free lending experience.

Doug and Sorya made buying our first home so easy. They explained every step clearly and were always available, even after hours. We couldn’t have asked for a smoother experience!

Megan & Tyler

As first-time homebuyers, we had a lot of questions, but Doug never made us feel rushed. He found a loan that fit our budget and walked us through the entire process. We’d recommend him to anyone in Montana.

Rachel & Ben

Buying a home can be stressful, but Doug made it easy. He secured a great rate, kept us informed, and treated us like family. Highly recommend!

Marcus & Allison

Doug’s team was incredible! They compared multiple lenders to get us the best rate and walked us through everything with patience and professionalism. We closed on time and stress-free.

James & Emily

I was nervous about the loan process, but Doug helped me feel confident from day one. His communication and honesty stood out — I’d recommend him to anyone buying in Montana.

Steven L.

Doug Ross Mortgage and Loans made our refinance so simple. Doug explained our options clearly, and we ended up saving hundreds each month on our mortgage payment.

Teresa H

Doug and Sorya were fantastic to work with! They explained every detail and made buying our home in Helena a breeze. We always felt supported and informed — it was truly a five-star experience.

Amanda & Kyle

Working with Doug Ross Mortgage and Loans made buying our home such a positive experience. Doug and Sorya guided us through the loan process with clear communication and personal attention. As first-time homebuyers in Montana, we felt confident every step of the way — they truly went above and beyond to make our dream of homeownership a reality.

Jessica & Ryan

We were relocating from out of state and Doug made the transition seamless. His knowledge of Montana’s loan programs and dedication to keeping us updated made the experience easy and stress-free.

Laura V

From pre-approval to closing, Doug and Sorya made everything stress-free. Their communication and transparency made all the difference. We love our new home!

Olivia G.

We appreciated how Doug went the extra mile to find the right loan for our growing family. His responsiveness and honesty set him apart from other lenders we’ve worked with.

Hannah & Matt

Let’s Connect Today

Contact Doug Ross

Have questions about your home loan or ready to get started? We’re here to help — reach out by phone, email, or visit one of our offices in Montana or California.

Doug Ross

Senior Loan Officer
NMLS #1233188
Direct: 916-259-6302
Email: ross.doug@outlook.com

Sorya Ross

Loan Officer Assistant & Processor
NMLS #979693
Direct: 209-298-0544
Email: ross.team@outlook.com

Address

Montana Office:
1925 Grand Ave. #127 PMB 637
Billings, MT 59102

California Office:
7412 Elsie Ave Suite 300
Sacramento, CA 95828

Let’s Get Started

We’d love to help you reach your homeownership goals.

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