Holistic and Reliable Mortgage Services
We offer mortgage, equity and financial services for both residential and commercial clients—anywhere in Oregon. As our client, you can rely on quick, clear communication and financial straight-talk. We are your lending professionals and we'll do what it takes to ensure your loan is processed smoothly and accurately.
Financial and economic influencers like mortgage backed security values, stock market shifts and inflationary factors such as the rising cost of oil, can affect loan rates. Home mortgage rates are constantly changing from day to day and throughout your entire home purchase or home refinance. Our scrupulous attention to market conditions and fluctuations guarantees you the best rates and timing possible.
The primary real-estate finance role we play is providing you with your first mortgage. For most of us, the first mortgage represents our largest monthly expense. Making your first mortgage affordable is our primary goal. Our thorough analysis of loan types will provide you with a set of home finance options from which you can choose the mortgage that best fits your needs. We offer Fixed and Adjustable Rates. We are FHA & VA approved and have access to the numerous conventional loan programs offered in the market place.
As one of the greatest tools offered to the elderly, we have researched and developed our own approach to Reverse Mortgages. As a loan offered to those over 62 years of age, we take great care in ensuring that this loan is indeed a good fit for your needs. Our Reverse Mortgage specialist has extensive experience and training, all for your benefit. If you need to lower your monthly expenses due to a fixed income or simply want to restructure your debt, mortgages and life as a whole, the Reverse Mortgage may be the very tool for which you are looking.
Home Equity & 2nd Mortgages
Both the Home Equity Lines of Credit (HELOC) & fixed 2nd Mortgages can play an important role in strategically organizing your debt. We have access to the few lenders in the market place still offering these types of loans. A HELOC is an excellent way to have access to money if and when you need it. If perhaps you know the exact amount of money you need and are interested in having a fixed rate, then the 2nd Mortgage would be the loan to use. The best news is that if you do borrow from your HELOC or borrow money using a 2nd mortgage, the interest is a tax write off (unlike your credit cards)! Either way, we can help you identify your needs and place you into the correct equity tool.
If you worked through the process of home buying and refinancing multiple homes each month like we do, you'd be your own mortgage broker. Real-Estate finance is complicated due to the numerous options and consequences of the decisions you make. Our loan officers have years of experience in consulting and providing the counseling you need. It's our opinion that it's never too early to start planning for your home mortgage needs. Calling one of our professionals and seeking advice today will help lead to a successful, stress free home buying process. We offer free credit mortgage approvals and advice on how to organized debt, save money and plan for one of the most exciting and rewarding purchases of your life.
Loans We Broker
- First Mortgages
- FHA & VA Loans
- USDA Loans
- Home Equity & 2nd Mortgages
- Commercial Loans
- Real-estate Consulting