PDX Home Loan

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 best VALUE: Your mortgage is the total cost of rates and fees OVER TIME. I will give you the best combination of interest rate, loan fees, and market intelligence available. You won’t need to shop for the best price, because I will do the shopping for you, as well as make recommendations about when the best 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 client testimonial video, as well as the “how to get the best price” video.

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. Learn how to best use this 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. Visit the Oregon Mortgage Blog.

Divorce planning is another service that I provide in addition to the standard loan origination service. Divorce planning is specific guidance for individuals who are about to divorce, in the middle of a divorce, or after a divorce regarding protecting their credit, assets, dependents, life, and estate. I can help tailor a plan to separate joint liabilities, as well as lay out options for divesting any joint real estate. As a mortgage specialist, I have an advantageous vantage point to see the entire asset and liability picture for my clients, as well as special software to help analyze different options over time. I have been specially educated and certified to assist you and your mediator or attorney as you move through the process. The divorce planning process also includes six months of personal finance coaching. The idea is that through the process, you can avoid negative impacts on your credit score, and your life, as well as gain clarity about how to manage the costs associated with turning one family into two families, and how to pay for your life after the divorce becomes final. Visit Transitions Divorce for more information.

When I help someone look at getting qualified for a mortgage, I have an opportunity to help my clients take a look at their whole financial picture. Some of my clients come to me and do not qualify for a home purchase, or shouldn’t be buying real estate. Through my partnership with my financial independence coach.com, I now have a powerful curriculum to help my clients put a plan in place to help them achieve ALL of their financial goals. Through a membership with my personal finance coaching program you can receive proven strategies to save more of your money, and learn how to make intelligent investment decisions. Membership also includes discounts on all kinds of services, weekly coaching articles, and a treasure trove of archived interviews with some of the top minds in the country about real estate investing, money management, cash flow strategies, managing your credit score, how to get out of debt, and more. Many of my mortgage clients use this program in combination with equity management and tax strategies that we put together to create a true path to wealth. Visit My Financial Independence Coach for more information.