It has never been more important to work with an experienced professional when getting a mortgage. Loan approvals are increasingly complex, and the rules of the game are changing rapidly. So “why choose James”? My company and my team are on the cutting edge of all the changes, and we’re committed to making your mortgage experience as smooth as possible, but here is what you will get from me as my client in addition to this. – 1. Honesty: I will always do my best to set your expectations properly, and keep you completely informed as we go. 2. The VALUE: Your mortgage is the total cost of rates and fees OVER TIME. I will give you an outstanding combination of interest rate, loan fees, and market intelligence. You won’t need to shop for price, because I will do the shopping for you, as well as make recommendations about when the right moment to lock will be. 3. Follow Through: After closing I will continue to work with you as your needs and circumstances change. Please see the home lender testimonials video, as well as the “how to get the right price for a home loan” video.

Visit the Oregon Mortgage Blog for information on the following:

• First Time Home Buyer Programs
• Good Neighbor Next Door Program
• Jumbo Loans and Refinancing
• FHA Loan Rules

When you are looking for a mortgage, the first thing that comes to your mind is “what is the rate”. This is an increasingly difficult question to answer without knowing some specifics of the borrowing scenario. Both borrower credit scores and down payments now have a considerable impact on the available interest rate. We have included an interest rate widget in the site here to the right that shows the US average mortgage interest rates. This can give you an idea about where things are trending (click on “view trend” to see the recent history), but you can expect to get a rate about .25% better than the US average with us at Mortgage Trust, Inc. Also there is a fantastic mortgage payment calculator in the sidebar. mortgage rate calculator. There are also a variety of mortgage programs available. I have created another website called the Oregon Mortgage Blog that is effectively the online data library for pdxhomeloan.com. Here you can find tons of info on all available loan programs as well as information about different borrowing scenarios.

The average American household, with at least one credit card, has nearly $10,700 in credit card debt and the average rate for this debt runs in the high teens. The last decade has seen us run up our tab at a disturbing pace, and this website has been created as a resource for you to make a specific plan to take control of your debts, to be intentional about how and when you will pay them off, in a way that has the most positive wealth impact. THIS IS NOT A DEBT CONSOLIDATION SERVICE. This service is called “Liability Management.” Transitions Finance uses Debt Analysis software called “Borrow Smart” that identifies inefficiencies in your current repayment plan, recommends the SAME amount you already pay, and can save you thousands of dollars over time.Visit divorce transitions finance for more information.

As a participating member of the Divorce Shield Advocate Network, I offer access to a comprehensive customized “divorce plan”. This is offered at no cost, and includes a wealth of information about the different choices that must be made when you are facing a divorce. The resources found at divorce financial shield will give you best practice information about how to handle all things surrounding your credit, your personal finances, your real estate, your dependents, and your future estate planning considerations. Providing mortgage advice to people experiencing a divorce is one of my core services. Decisions made during a divorce will have a profound impact on your future finances and retirement plan. The divorce shield is a network of high quality local professionals who are all specially trained to advise on key aspects of a divorce. Create and download a free custom report at financial services.