About James Adair, Mortgage Broker
Why James Adair and Portland Home Loan? Here at Mortgage Trust, we’re in this for the long haul. We work by referral, and thus strive to create an experience that is easily referable. We do this by having extremely competitive pricing along with excellent delivery. These are turbulent times in the mortgage industry, and the most important thing we can give you is straightforward advice. Our goal is to assess your scenario properly, and deliver the right mortgage. James and his team will make sure that you are aware of what is happening and help you with strategic planning for how to best use your real estate assets. Our company mission statement–to improve the financial lives of all of our clients–shows up in all of our consultations. Let us show you how the proper management of your liabilities and equity over time, can create hundreds of thousands of dollars for your family.
Oregon Mortgage Blog
James is also the founder and publisher of two Blogs: The Oregon Mortgage Blog, and Transitions Finance. The Oregon Mortgage Blog is a veritable library of information for consumers, with pages not only about every conceivable borrowing scenario and common borrower profiles, but also easy to understand definitions about all common residential mortgage programs such as:
- First Time Home Buyer Programs
- Good Neighbor Next Door Program
- Jumbo Loans and Refinancing
- FHA Loan Rules
There are also dozens of pages that describe different Portland real estate areas, and interesting places all over Oregon where borrowers might be interested in owning property, with local Realtor referrals on every page.
Certified Liability Advisor
Transitions Finance Planning is a separate service that is provided by James in conjunction with his mortgage practice. Liability planning is a process that helps individuals get a handle on which debts to pay down in what order to achieve their goals. If you would be interested in how this process can uncover MASSIVE savings opportunities at little or no cost. Please fill out the “Debt Analyzer” found at transitions finance.
Divorce Shield
Another service that James provides to his client network is free access to the Divorce Shield program. The Divorce Shield is a single online resource that has basic planning information for those considering or experiencing a divorce. The divorce shield provides volumes of information for couples about how to manage and protect their credit, assets, dependents, and overall lifestyle during and after a divorce. This is a no cost service that includes consultation regarding what the options for separating the real estate assets are, and owning real estate or getting a mortgage is not requirement for benefiting from the divorce shield.
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MFIC: My Financial Independence Coach
James’ clients also get access to the MFIC online personal finance coaching platform. This is a proprietary system that was developed here in Portland by a member of the Mortgage Trust staff. MFIC is an online resource with tons of details about all the specific areas of financial planning, wealth building through real estate, savings and protection strategies through insurance products, credit improvement, the list goes on. Not only are there a variety of podcasts, and articles about timely topics, but also worksheets for you to self asses and find your OWN strengths and weaknesses. When you need to dive deeper into any topic, contacting a local expert is only a click away.
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James Adair, Portland, OR
James has been a longtime resident of SE Portland and in the mortgage business since 2002. During his years in the industry, he has delivered hundreds of loan packages for his clients in a timely manner, and has found solutions for dozens of financing scenarios. James is also very active in Portland’s live music community where he can sometimes be spotted playing the bass guitar at various rock and folk venues.
