Emily O'Donnell at Sprout Mortgage

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Ready to start furnishing your soon to be new home? You may get excited while out shopping and think, “But the store said I could save 20% if I opened a new card, today!” Avoid opening new credit cards and installment purchases on items like furniture, appliances, and exercise equipment to prevent any underwriting delays.
I am here to guide you through the entire process and ensure a smooth experience, so call me today at 971-399-0101 with any questions or to get started!

Sprout Mortgage recognizes Flag Day and all that our flag represents as we honor the anniversary of the Stars and Stripes. Wondering about the correct way to formally fold the flag? Check out these easy-to-follow instructions:https://www.va.gov/opa/publications/celebrate/flagfold.pdf

It’s no surprise- a down-payment can look intimidating. You may think, “Hey! Let’s sell Aunt Mildred’s rare art collection and pocket tens of thousands!” However, you should avoid moving large amounts of money in or out of your bank account, as they may cause delays in the underwriting process.
I am here to guide you and ensure a smooth experience, so call me today at 971-399-0101 with any questions or to get started!

The mortgage application process can get exciting and you may think, “I’m about to have the pad, why not buy that flashy sports car for the driveway?” But you should refrain from large transactions until after your home loan closes, as this may affect your home purchasing power.
I am here to guide you through the entire process and ensure a smooth experience, so call me today at 971-399-0101 with any questions or to get started!

Happy World Environment Day! May you be inspired to find many ways to conserve and protect our collective home, planet Earth!

Good news! Whether one or more of these situations apply to you, Sprout Mortgage can help! Let’s discuss your options and the benefits of an FHA loan. Call me today at 971-399-0101, I’m excited to connect with you.

Sprout Mortgage respects and supports our diverse customers, colleagues, neighbors and friends both inside and outside of work. Happy LGBTQ Pride Month!

Sprout Mortgage remembers the courage and bravery of those who served on Memorial Day.

I’m proud to serve those who served our country. If you’re a qualified military veteran, active-duty personnel, or surviving spouse of a military veteran, you may be eligible to take advantage of the benefits of a VA loan when purchasing or refinancing a home, including up to 100% FINANCING! Call me today at 971-399-0101 to discuss your options.

Credit score is a key factor in determining whether you qualify for a mortgage. But it’s not the only one we consider at Sprout Mortgage.

We evaluate:
- Income
- Debt-to-income ratio
- Down payment amount
- Savings
- Employment history
We will carefully assess your individual situation and match you with one of the unique loan programs we offer. Let’s work together and make your homeownership dreams come true! Reach out to me at 971-399-0101 or head to my site at www.sproutmortgage.com/emily.odonnell.

You’ve found the perfect home but still need to save for your down payment. As much as you try to plan ahead when it comes to buying a home, sometimes life takes an unexpected turn. Don’t miss out on the home! Consider an FHA loan with a low-down payment requirement from Sprout Mortgage. We’re proud to offer a broad range of financing solutions. Connect with an experienced loan officer today to discuss your options!

The loan-to-value (LTV) ratio compares the loan amount with the appraised value of the property. The higher your down payment, the lower your LTV ratio.

LTV = Loan amount divided by property value.
It’s a key metric that every lender uses when making a loan decision and to determine if private mortgage insurance is required.
I’m ready to help answer any of your mortgage-related questions and prepared to finance the home of your dreams. Call me at 971-399-0101 or head to my site at www.sproutmortgage.com/emily.odonnell.

Today, I’d like to highlight Sprout Mortgage’s Bank Statement Loans. This is a mortgage designed for self-employed customers – no W-2s required. We’ll calculate your income based on the revenue from your business or personal bank statements. Call me today to learn more about these unique loan programs at 971-399-0101 to discuss your options.

With access to loan solutions for all kinds of unique scenarios at Sprout Mortgage, I’m absolutely able to help you if you “don’t fit the mold.”
Self-employed and don’t have a W-2? I’ve got you. No tax return? No problem. Maybe you’re close to retirement, with a lot of assets but little income, or perhaps you’re a real estate investor, looking to flip a property? I am here to help.
I have unique ways to qualify you based on income, employment or assets, even if you don’t fit other lenders’ narrow guidelines.
Let me help make your homeownership dreams a reality. Call me at 971-399-0101 or head to my site at www.sproutmortgage.com/emily.odonnell.

Emily O'Donnell at Sprout Mortgage updated their website address.

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