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 monthly mortgage insurance premium.  And then the option of have the lender pay closing costs so we could avoid mortgage insurance but would have a higher interest rate.  And finally the option of securing an 80% loan to value first mortgage and a 2^nd mortgage line of credit to cover those costs. 

            This may seem to be a small issue and you certainly don’t want to spend as much time as I did.   But I feel that this is an important part of my job.  I will take the time needed to analyze your options.  Then I will present them to you so that you can make an intelligent decision.  I am always amazed when someone comes to me with a cost estimate from other mortgage brokers or lenders and it calls for a new loan amount just over 80% loan to value.  No one took the time to show them options.  As far as these borrowers know, they have no other option. 

            The point of my example is that finding a good mortgage loan officer can make an enormous difference when you are seeking a new Oregon home mortgage.  I have spent 25 years working hard to find the best option for my borrowers.  This, I believe, is one of the reasons I have thousands of happy clients.  Read some testimonial from my clients at www.OregonsBestMortgage.com.  I promise you this same exceptional service when you need an Oregon mortgage refinance.