The Ginger Lender
Your mortgage partner for life.
Mortgage broker, The Ginger Lender.
A Little About Me
My name is Oliver Ames. Most people know me as The Ginger Lender. I have been in the mortgage business for nearly 10 years, and Arizona has been home for the past decade. I am married, with three kids, two daughters and a son, and family sits at the center of everything I do.
I grew up in Washington, playing sports and spending time outdoors, which taught me to be steady and people first. I help first-time buyers, self-employed borrowers, and families in the middle of big life changes, and I explain the numbers plainly. Your mortgage partner for life.
★★★★★
“Friendly, people oriented and very kind.”
“His communication and follow-through were unmatched.”
On Every Loan I Do
No lender fees. On every loan, a credit of about $2,000 offsets my lender fees, or they are removed entirely, depending on the bank. It is just how I work.
Apply NowFor Buyers
Everything a client needs, in one spot: real numbers, straight answers, and a way to reach me when it matters.
Payment calculator · What can I afford? · Rent vs. buy · Cash to close · Down payment help · Credit game plan · Ask Oliver, the built-in chat that answers common questions any time
For Agents
A 2/1 buydown starts a buyer with a lower payment for two years, by choice, when the math works.
See how it works →Send me a listing link. I will turn it into a flyer that shows the payment.
Make a flyer →Quick Answers
It depends on the loan. Some start at 3 percent down, and VA and USDA loans can need none.
There is no single number. Each program has its own floor. Ask, and I will give you a straight answer for your file.
It depends on the file. Many are ready in a few weeks. Tell me your timeline, and I will be honest about whether it works.