A conversation
Twenty minutes on the phone or at our table. No documents, no credit pull, no pressure to do anything afterwards.
Your first mortgage,
explained until it makes sense.
A small Portland brokerage. One person handles your file, answers the phone, and shows you the math.
Questions we get asked every week
The route
From the first phone call to the day the door opens, drawn outend to end.
Nobody explains this properly, so here it is. Six stops. You always know which one you are standing on, and who to ring if it stalls.
Pre-qualification
We look at what comes in and what goes out, and tell you a price range you could carry without dreading the first of the month.
A letter you can make offers with
A pre-approval letter your agent puts in front of a seller. It says a lender has already checked your numbers.
The application
One sitting. We send a list of exactly which documents we need, and we chase the ones we can get ourselves.
Underwriting
The appraisal, the title search, and the underwriter’s questions. This is the quiet stretch, and we call you through it.
Keys
You sign at the closing table, the loan funds, and the house is yours. We are there for that part too.
Timings are typical for our own files, not a promise. Every loan moves at the speed of its slowest document.
Four folders. Yours is one of them.
We keep every file the same way: one folder, one officer, everything in it. Open the one that sounds like you.
Four people. One of them becomes yours.
Whoever picks up the phone keeps your file to the end. No handing you to a processing team you have never spoken to.
Tom JacksonSenior Loan OfficerNMLS not issuedFirst-time buyers and VA loans - 14 years of getting tough files to the closing table.Read about Tom
Stephanie MillsLoan Officer | Refinance SpecialistNMLS not issuedRefinance and equity strategy - she finds the savings other lenders leave on the table.Read about Stephanie
Liz ThomasLoan Officer | Investment LendingNMLS not issuedDSCR, fix & flip, and self-employed lending for investors across ten states.Read about Liz
Joseph BradyLoan Officer | Jumbo & RelocationNMLS not issuedJumbo financing and relocations - white-glove service for complex, high-value moves.Read about Joseph
Worked out loud
What a payment is actually made of.
Most people are told one number and never told what is inside it. Move the two handles and watch the parts move. Every figure here is an illustration, not a quote, and we have used round numbers on purpose.
$150k$900k
3.000%10.000%
Estimated total each month$3,059
- Principal and interest
- $2,150
- Property tax, set aside monthly
- $425
- Homeowner insurance, set aside monthly
- $142
- Loan amount after 20% down
- $340,000
- Interest paid over 30 years
- $434,000
Assumes 20% down, a 30 year term, property tax at 1.2% of price a year and insurance at 0.4%. Your real numbers depend on the address, your credit and the day. Nothing here is an offer to lend.
Every program we can put on the table.
Twenty of them. Most people need one. Push through and stop where something sounds like your situation.
Someone else's first time.
Drag the divider. The photograph is one side of a story, the words are the other, and you decide how much of each you want.
We had a hundred questions and no idea which ones were stupid. She answered all of them twice, and the number on the closing statement was the number we had been told in week one.
Written as placeholder copy to show how this section reads. Nothing here is a real client, a real outcome, or a promise of one.
Ten states. One office. Somebody who has driven the street.
We lend across the West and beyond, but everyone works out of one room on SW Macadam Avenue, which is why you keep the same person the whole way through.
Licensed in Oregon, Washington, Idaho, California, Arizona, Nevada, Colorado, Utah, Texas, Florida.
Where we lend, in fullThe first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
