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  • PRISM LENDING PARTNERS,
    DBA NorthWest Funding Group Inc NMLS #101770

Trusted

Mortgage

Broker/Lender

We offer customized solutions with diverse products, investments, mortgages, and dedicated service with personal attention.

  • Tailored Solutions
  • Quality Service
  • Diverse Products
  • Personalized Attention
Contact Us
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    Contact a Mortgage Broker Directly







    Service Areas

    States We Serve

    Arizona

    California

    Colorado

    Florida

    Idaho

    Oregon

    Texas

    Washington

    • 99.9%
    Satisfaction Guarantee
    • Same Day
    Approvals
    • About Us

    Our Mission To Serve You

    Our mission is to serve our clients with honesty, integrity and competence. Our goal is to not only provide home loans, but to educate our clients so they have a complete understanding on how the loan itself works.  It is our belief that the more you know and understand how your loan operates, the more confident you will feel about your new home loan.

    Prism Lending Partners was built on a platform that we feel has the best interest for you, the consumer.

    • Tailored Solutions
    • Loan Confidence
    • Client Education
    • Consumer Focus
    Lenders in Network
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    Start-to-Close Options
    0 Day
    Years of Industry Experience
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    Book a Complimentary Consultation
    Our Services

    What We Offer

    We provide tailored solutions, expert guidance, and exceptional services designed to meet your unique business needs.

    Conventional Mortgages

    Traditional home loans offering competitive rates, ideal for borrowers...

    FHA Loans

    Government-insured loans designed to help lower-credit borrowers qualify, with down payments as low...

    VA Home Loans

    Exclusive mortgage benefits for eligible veterans, active-duty service members, and surviving spouses...

    DSCR Loans

    Debt service coverage ratio loans provide investment funding based on the property's cash flow.

    Jumbo Loans

    Home financing designed for luxury or high-value properties that exceed standard conforming loan limits.

    Wealth Builder Mortgages

    Unique loans that merge your mortgage and checking into one account, reducing daily interest and helping pay down your mortgage faster.

    HELOC and Home Equity Loans

    Flexible or lump-sum options that let you borrow against your home’s...

    Bank Statement & Interest Only Loans

    Flexible options for self-employed borrowers, including using bank...

    Reverse Mortgages

    Home loans for new or existing homeowners aged 62+ that convert home equity into cash without...

    Refinance

    Replaces an existing mortgage with a new one to lower your rate, change loan terms, or access home...

    • About Brian

    Brian E. Spitulski

    Producing Branch Manager/Owner

    Our mission is to serve our clients with honesty, integrity and competence. Our goal is to not only provide home loans, but to educate our clients so they have a complete understanding on how the loan itself works.

    It is our belief that the more you know and understand how your loan operates, the more confident you will feel about your new home loan. Prism Lending Partners was built on a platform that we feel has the best interest for YOU, the consumer.

    Read More
    Watch & Learn

    Mortgage Made Simple

    Market Insights +
    Expert Guidance

    Reach out today for expert mortgage guidance,
    personalized loan solutions, and support tailored
    to your needs.
    Check Current Rates
    Our advantages

    Why Choose Us

    We provide trusted, local expertise with competitive rates and personalized solutions tailored to your unique needs.

    Trusted

    Customers trust Prism Lending Partners with their loan applications for competitive rates and a great experience.

    Local Partner

    Our local presence means that we are accessible and knowledgeable about the SW Washington / Portland Metro areas, Arizona and more.

    Competitive Rates

    Smart financing and competitive mortgage rates that work for you and your budget.

    Book a Complimentary Consultation
    Our team

    Meet The Prism Lending Partners Team

    Dedicated professionals committed to guiding you with trusted home loan solutions.

    Brian E. Spitulski

    Producing Branch Manager/Owner

    NMLS # 880824

    Hanna Jensen

    Loan Officer

    NMLS # 2059129

    Juniper Fitzwilson

    Loan Officer

    NMLS # 2402828

    Jay Alvaro

    Loan Officer

    NMLS # 2762737
    client reviews

    Testimonials

    Barbara W
    Barbara W
    ★★★★★
    Happy Customer
    Hanna Jensen was our mortgage broker for a home we purchased in May in Brush Prairie. Oh My Gosh!! Compared to last year's dreadful mortgage experience on another home with the 5th largest bank in the US, using Hanna was a dream come true. On point, managing the details, swift and thorough communication, and a competitive quote in times of rising rates, make me recommend Hanna with [Prism Lending Partners, formerly] U-Mortgage to all that may need her services.
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    Lynette Hanson
    Lynette Hanson
    ★★★★★
    Happy Customer
    When I think of having Brian as my mortgage person, I realize how thankful I am to have been cared for, respected, and informed. He knew that I needed a translator because homebuying is a foreign language to me. He made everything as clear as he possibly could since it had been many, many years since I’d been a homebuyer. Plus, he kept at it until he had the [right] mortgage for me. I thank him profoundly.
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    Lynette Hanson
    Lynette Hanson
    ★★★★★
    Happy Customer
    Brian gave me advice in a timely manner about what my responsibilities as a homeowner would be, especially concerning my adult sons who will live with me in what we consider our dream home. He explained what I needed to have set up for someday in the future when I am no longer here, especially about protecting my sons’ rights in relation to our home. He provided me with contacts to use as I work towards being the kind of homebuyer that Brian would want me to be. I one-hundred percent recommend Brian Spitulski to anyone looking for a mortgage person.
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    Mark Villanueva
    Mark Villanueva
    ★★★★★
    Happy Customer
    Brian helped my wife and I purchase our first home in Happy Valley. As first time homebuyers, there was a steep learning curve throughout the entire home buying process. Brian was very helpful and patient in explaining not only procedures involved with obtaining the mortgage, but also with anything other processes we had questions about. Brian even came to our escrow signing appointment to give the paperwork a final look. Brian still contacts us every few months to let us know how interest rates are looking and whether it would be beneficial to refinance. Big thumbs up to Brian and we'll definitely use him again when we're in the market for another property.
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    R. Rogers
    R. Rogers
    ★★★★★
    Happy Customer
    Put your trust into Brian! You can tell he is honest and truly cares about his customers. He worked hard to get us [a great] interest rate (and keep it despite closing taking longer than expected due to an issue the sellers of our new house needed to work out). He patiently worked with us over the course of two years while we paid off debts, saved, and followed his advice to increase our credit scores. Once we were ready to go and found our dream home, Brian got everything mortgage-related done lightening fast! The whole process was so quick, easy and smooth I couldn’t believe it!! He was always quick to answer our millions of questions (this is our first house) and clearly works long hours to make sure his people are completely taken care of. Our experience couldn’t have been better!
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    Sean Curringan
    Sean Curringan
    ★★★★★
    Happy Customer
    My wife and I have followed Brian from his previous company to him now at U-Mortgage. While his company has changed, his level of service has stayed light years ahead of the rest of the industry and for that, we’re very grateful! Buying a house is for most people, the largest purchase they will ever make, which can be a pretty scary situation. Brian goes above and beyond to ensure that the consumer knows exactly what is going on at all times. This can be as simple as explaining what certain fees are or possibly as complex as how to boost a credit score. Whatever the case may be, Brian is amazing!
    Read More
    Sean Curringan
    Sean Curringan
    ★★★★★
    Happy Customer
    I personally don’t know too many Mortgage Guys who go as far as making sure to be present at the final signings. Mr. Spitulski does this and much more. My wife and I plan on using Brian in the future and highly recommend anyone else going through the home purchase process to give Brian at least a shot, it’s well worth it!
    Read More
    Sierra Walker
    Sierra Walker
    ★★★★★
    Happy Customer
    Brian Spitulski and his team are incredibly helpful, knowledgeable and prioritize their client’s interest. I would highly recommend them for any mortgage lending needs!
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    Mary N.
    Mary N.
    ★★★★★
    Happy Customer
    John and his team were so awesome during our refinance! By far the quickest and easiest experience we’ve ever had with a mortgage company! He was super responsive and made every step easy! All while we were in Arizona and he’s in Washington! We highly recommend John!! Robert C | 5 stars | John was very patient and on top of everything. If he did not know the answer he had no poblem telling us he had to do some research and get back to us.
    Read More
    Nicole D
    Nicole D
    ★★★★★
    Happy Customer
    Leave A Review

    Contact Information

    Reach out to our team anytime for inquiries,
    support, or collaboration requests.

    AZ Location

    17891 West Sapium Way, Goodyear, AZ 85338

    WA Location

    12411 SE 2nd Circle, Vancouver, WA 98684

    Call Us

    503.270.8596

    Email

    brian@prismlendingpartners.com

      Contact a Mortgage Broker Directly







      Frequently Asked Questions

      How much down payment do I need as a first-time homebuyer?
      First-time buyers can secure a mortgage with as little as 3%* down on a conventional loan or 3.5%* down with an FHA loan. Gifts and down payment assistance programs can help with down payment needs. We help you compare low down payment options so you can determine the most affordable path to homeownership.
      Popular options include Conventional 3%* down, FHA loans, USDA loans (for rural areas), and VA loans (for eligible borrowers). Each program has different benefits, such as lower down payments, flexible credit requirements, or reduced mortgage insurance. Prism Lending Partners helps you evaluate which program fits your income, credit, and home buying goals.
      Refinancing replaces your current mortgage with a new one—often with a lower rate, better terms, or access to equity. Homeowners typically refinance to lower monthly payments, eliminate PMI, switch from an ARM to a fixed rate, or pull out cash for renovations or debt consolidation. If current rates or your financial situation have improved, refinancing may save you money.
      Closing costs generally range from 2% to 5% of the loan amount, but they don’t have to. Contact us directly at Prism Lending Partners to review your options.
      Most borrowers need to provide W-2s, pay stubs, bank statements, tax returns, ID, and details about debts and assets. Self-employed borrowers may need additional business financials. If you’re applying for an investment or alternative loan type, documentation may vary. Prism Lending Partners helps you organize exactly what’s required for your specific loan.
      DSCR (Debt Service Coverage Ratio) loans qualify you based on the income generated by the property, not your personal W-2 income. If the rental income covers the projected mortgage payment (often a DSCR of 1.0 or higher), you may qualify—even with complex financials. These loans are ideal for investors looking for fast, flexible financing without full income documentation.
      Yes—depending on the loan type. Conventional investment loans typically require a minimum of 15%* down, but some alternative loan programs such as DSCR, bank statement, or portfolio loans offer more flexibility. Certain lenders also allow seller credits or gift funds for closing costs. Prism Lending Partners helps you compare options that maximize leverage while keeping payments manageable.
      Absolutely. Self-employed borrowers can qualify using tax returns, bank statements, profit-and-loss statements, or even asset-based income, depending on the loan program. Bank statement loans are especially popular because they use deposits—not taxable income—to determine eligibility. We specialize in helping business owners and 1099 earners secure the right financing.
      VA loans offer no down payment, no mortgage insurance, and competitive interest rates for eligible veterans, active-duty service members, and some surviving spouses. Qualification is based on service history and obtaining a Certificate of Eligibility (COE). Prism Lending Partners helps you verify eligibility and take advantage of one of the best home loan programs available.

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