I am not a mortgage lender, but I do know many qualified mortgage lenders in the area. When you hire a professional real estate agent (also know as a buyer's agent), you will have another source to help you obtain a mortgage loan for the purchase of a home in the Ashland, Medford area.
A real estate agent can help you with the right questions to ask when interviewing a lender. We can help you with determining which loan program might be better and whether to ask for closing costs from the seller or not. If the property is located out the Medford city area then perhaps you can still qualify for 100% financing. Do you need down payment assistance? Many times, the City of Ashland and Medford, have down payment assistance.