Portland Mortgage News

There are a plethora of options out there for getting a mortgage these days.  You can barely turn on a TV or radio without hearing an ad for a mortgage company!  How do you know who to go with?  Here are a few thoughts on why we stand out:

1. With us, you aren't paying for a huge marketing budget and layers of management.  We keep our costs low and pass the savings on to you.  The goal is to show you such a great value and easy process that you will become our biggest fans and refer us to your family and friends.

2. Shopping around is the best way to make sure you get the best deal.  As a low-cost broker, we are also shopping our lenders to get you the best deal available.  Our lenders have to compete against one another to get your business, so we multiply your efforts and ensure you get the right fit for what you need.

3. We offer personal and local service.  You're not dealing with a call center somewhere across the country.  We are right in Portland and Joe has over 25 years of industry experience to help you through the process.

Let us show you the advantages of working with a local, low-cost mortgage expert.

If you want to protect yourself in this rising rate environment, the new lock and shop program is a great hedge against the uncertainty of future interest rates.  Before this program came out, you had to have a purchase contract for a home to lock your interest rate, but now we can protect you and preserve your buying power.

Here's how it works: we can lock your rate for up to 90 days while you are looking for a home.  That way you will have a definite dollar amount for which you can qualify and your loan application can be fully underwritten as well.  Having already crossed those hurdles, you can compete with a cash buyer and if you want you can offer to close much more quickly than most buyers.  When the property gets an appraisal waiver you can close in as little as 5 business days and within 15 days even if we need an appraisal to qualify the property.

Just one more way that we are being Pro-Active to help you achieve your home ownership goals!