FHA Loans
Low down payment options for qualified buyers (as little as 3.5%).
Helping families secure the right home loan with personalized care and competitive rates.
Trusted Mortgage Lenders
Get the confidence to make an offer quickly with fast, accurate loan pre-approvals designed to keep you competitive in today’s market.
Buying a home doesn’t stop at 5 p.m. — and neither do we. Doug is available evenings and weekends to guide you through time-sensitive mortgage decisions.
Through Pacific Wholesale Mortgage, we have access to more than 50 lenders, allowing us to compare programs and rates to find the best fit for your needs.
Work directly with Doug and Sorya Ross,a family-run team that values honesty, communication, and long-term relationships with clients across Montana and California.

Tailored Loan Solutions
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.
Mortgage Made Personal
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.

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!

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


Trusted by homebuyers in Montana & California
See why homebuyers across Montana and California trust Doug Ross Mortgage and Loans for clear communication, competitive rates, and a stress-free lending experience.
Let’s Connect Today
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.
Senior Loan Officer
NMLS #1233188
Direct: 916-259-6302
Email: ross.doug@outlook.com
Loan Officer Assistant & Processor
NMLS #979693
Direct: 209-298-0544
Email: ross.team@outlook.com
Montana Office:
1925 Grand Ave. #127 PMB 637
Billings, MT 59102
California Office:
7412 Elsie Ave Suite 300
Sacramento, CA 95828
We’d love to help you reach your homeownership goals.