Using a credit card to fund small home improvement efforts is a viable solution. When projects pile up and the anticipated costs outpace credit limits, it is often wise for homeowners to look at different Oregon mortgage refinance options instead.
The reasons why Oregon mortgage refinance makes sense for home improvement are many. This is especially […]

With prices on everything from gas and food to insurance and electricity rising by what seems like leaps and bounds, many homeowners find themselves unable to afford payments that were easily within reach even a year ago. When tightening the belt and lessening overall monthly payout is a must to keep a family afloat, an […]

Almost everyone has a big dream they’d like to see through to fruition. Unfortunately, many people do not have the means to make things happen. Whether it’s plans for an exotic vacation, or a desire to fund a child’s educational goals, finding the financing to make wishes become reality isn’t always easy. When a homeowner […]

            There is still plenty of news regarding high foreclosure rates and the sub-prime mortgage meltdown.  Oregon has been spared much of the pain experienced in other states.  One reason for this is because less than 5% of all outstanding mortgages in Oregon are sub-prime.  This is a low number compared to the rest of […]

            It is a beautiful today in the Portland metropolitan area.  The temperature is a perfect 74 degrees, sunny, with the lightest breeze.  The forecast for the next 10 days calls for highs in the 70s and 80s and sunshine.   
           Portland boasts some of the highest marks in the nation for livability.  We have green […]

            Despite all the turmoil in the current mortgage market, one thing has not changed.  If you are looking for the best interest rate with the lowest fees, you will still find it at www.OregonsBestMortgage.com. 
            During the past 25 years I have made thousands of Oregon home mortgage loans to people in every corner of […]

            Anyone following my Oregon mortgage refinance example may wonder how or why anyone could spend so much time discussing a small detail involved in a sample transaction.  We spent day after day discussing options dealing with mortgage insurance.  We looked at the option of taking an 81.5% loan to value mortgage and paying a […]

          I have been spending some time discussing one small decision that needs to be addressed in my example for an Oregon mortgage refinance.  My example had you, my borrower, wanting to refinance your current home mortgage before the interest rate adjusted to 7.75%.  Your home had appraised for $427,000 and you needed $348,000 to […]

            Well, let’s see.  So far we have two options to help you, our borrower, refinance your adjustable rate loan into a fixed rate loan.  And so far, we are focusing our efforts for your Oregon mortgage refinance to finding a solution for an 81.5% loan to value loan.  We know you can stay under 80% […]

            Following up on again on our Oregon mortgage refinance example, we ran into a small problem.   Remember, our borrower’s home appraised at $427,000 and you (playing the part of the borrower, I am playing the loan officer) owe $341,000 and expect to pay about $7,000 in closing costs.  This will bring your new Oregon mortgage […]