Local Home Loan

Monthly income, expenses and your credit score are just a few things to consider when deciding how much house you can afford. Before you start shopping, reach out to us. We’ll help you run the numbers and secure your pre-approval. Call me today 503.547.9658. You will be happy you did!

WoW, Home values are up! Would paying off debts give you a breath of fresh air? Call me 503.547.9658.

Lending impact with New NAR Rules ..

NAR Rule Changes In Effect Saturday 8/17

The changes for home buyers and sellers due to the National Association of Realtors settlement are upon us. These changes went into effect THIS past Saturday, August 17th.

Here are the main things Mortgage Brokers and buyers need to know - simplified.

* The purchase contract can state that the Seller is paying ALL Agent fees.

* The Seller can also offer credits and concessions towards closing costs and prepaids.

* If the purchase contract specifies the Seller is paying the Agent fees and also offering seller credits, the seller credits can be applied towards other closing costs.

* If the purchase contract does not specify that the Seller is paying the Agent Fees BUT offers seller credits, the agent fees will need to be covered by the seller credits or paid out of pocket by the buyer.

* If neither seller credits nor Seller paid Agent fees are specified in the contract, then the buyer is responsible for all fees.

* Once a purchase contract is submitted to most lending sources with an agreed upon price, most will not allow the contract to be amended to pay the Agents fees.

* Agent fees are not an APR related item and do NOT need to be disclosed on an LE.

Please contact me if you have questions. Let's make sure we shine as Pros for our Buyers and Sellers and they are put in the best situation possible.

Hello Friends! Do you know of anyone that is getting married soon? If so connect them with me. I will show them how gift money can be used to buy a home instead of a waffle maker. Don't delay connect them with me today 503.547.9658. You will be happy you did!

Hello Friends! We are thrilled to have received an overwhelming response for our recent free zoom seminar. Due to the recent news on mortgage interest rates plummeting, people were motivated to act now and secure their attendance. Unfortunately, all spots for this seminar are filled up. However, we don't want you to miss out on this opportunity to learn about How to Buy a home and secure your future. Therefore, we are opening up a waiting list for our next free zoom seminar. Don't wait any longer and reserve your spot now by texting or calling us. Our seminars are always in high demand, and we don't want you to miss out on this life-changing opportunity. Join us for our next seminar and take control of your financial future. Text/call us at 503.547.9658.

Hello Neighbors! 3 days left to RSVP. Spread the word. Are you or someone you know looking to buy a home in the near future? If so, we have some exciting news that you won't want to miss! Join us Remotely for a free Zoom meeting where we'll reveal the secrets to buying a home in 2024. Trust us, there are some exciting changes on the horizon that may benefit those looking to buy this year.

To reserve your spot for our 20-minute Discovery session on August 8th at 12:30 - 12:50 PM, simply connect with us at 503.547.9658 Hurry, spots are filling up fast and we don't want you to miss out! We look forward to seeing you there and helping you achieve your dream of home ownership.

Friends! 5 days left to RSVP. Spread the word. Are you or someone you know looking to buy a home in the near future? If so, we have some exciting news that you won't want to miss! Join us Remotely for a free Zoom meeting where we'll reveal the secrets to buying a home in 2024. Trust us, there are some exciting changes on the horizon that may benefit those looking to buy this year.

To reserve your spot for our 20-minute Discovery session on August 8th at 12:30 - 12:50 PM, simply connect with us at 503.547.9658. Hurry, spots are filling up fast and we don't want you to miss out! We look forward to seeing you there and helping you achieve your dream of home ownership.

Hello, Friends! 9 days left to RSVP. Spread the word. Are you or someone you know looking to buy a home in the near future? If so, we have some exciting news that you won't want to miss! Join us for a free Zoom meeting where we'll reveal the secrets to buying a home in 2024. Trust us, there are some exciting changes on the horizon that may benefit those looking to buy this year.

To reserve your spot for our 20-minute Discovery session on August 8th at 12:45 PM, simply connect with us at 503.547.9658 Hurry, spots are filling up fast and we don't want you to miss out! We look forward to seeing you there and helping you achieve your dream of home ownership.

Greetings, dear Friends! We need your help to spread the word. Are you or someone you know looking to buy a home in the near future? If so, we have some exciting news that you won't want to miss! Join us for a free Zoom meeting where we'll reveal the secrets to buying a home in 2024. Trust us, there are some exciting changes on the horizon that may benefit those looking to buy this year.

To reserve your spot for our 20-minute Discovery session on August 8th at 12:45 PM, simply connect with us at 503.547.9658. But hurry, spots are filling up fast and we don't want you to miss out! We look forward to seeing you there and helping you achieve your dream of home ownership.

The homebuying process can be stressful, and banks don't always put your interests first. Working with a mortgage broker means working with someone who ensures you're taken care of every step of the way. Call today for loan options. 503.547.9658.

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Buying a home? I have a secret to share with you... Would you like to Save hundreds of dollars every month for your first 1-3 years. To learn more connect with me today 503.547.9658

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Video highlights the impact you may experience when selling or buying a home this year.

www.cnbc.com

Watch this video. Changes happening that will impact your home sale or purchase.

www.cnbc.com

Numbers don't lie. Work with a mortgage broker to save your hard-earned money. Call us today. My direct number is 503.547.9658.

Not having a credit score may not be as uncommon as you think. Maybe you and I can help someone. Help me spread the word. I am Now Offering Conventional, VA and FHA non traditional credit options for Mortgages When Buying A Home. Many reasons you may not have any credit scores like: Your a fist time home buyer, living debt free to save for buying a home, recent college graduate, spouse with no credit but need their income to qualify, recently discharged veteran who was on tour of duty overseas, individuals who have not utilized credit in a long time to just name a few. To learn more connect with me direct at 503.547.9658. You will be happy you did. : )

Good video see for yourself.

I-Team: Hundreds locked in to 40-year real estate agreements I-Team: Hundreds locked in to 40-year real estate agreements

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