Call or Text Today! 503-701-3462 Dan@NWFGI.COM
Welcome
Professionalized Mortgage Services
I am available to chat with you about your specific needs and discuss your options anytime, including after hours & weekends
Services
For more than 20 years as a Mortgage Professional, my guiding business philosophy has been “Customers for Life.” Your loyalty and satisfaction with the job I do for you is my primary concern and critical to my earning your future business and your referrals to family and friends.
I will take the extra time to answer your questions and address your specific concerns. Together we will investigate and evaluate your options and find the loan product that best suits your needs. I will personally assist and guide you through the mortgage process making the journey as smooth and effortless as possible.
I am available anytime to answer your questions. Please don’t hesitate to call, text or send an email. 503-701-3462
Loan Products & Programs
- ZERO Down Financing
- Reverse Mortgages
- Fixed Rate Loans
- Adjustable Rate Loans
- Low Down FHA Loans
- Zero Down VA loans
- First Time Borrower Loans
- Investor Loans
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New Research Concludes Consumers Save $10,662 Working With a Mortgage Broker
ZERO DOWN CONVENTIONAL
Conventional Down Payment Assistance program with a lender provided 3% second
mortgage of up to $15,000 that has no interest or payments. It is repaid when the first mortgage is paid-off or refinanced. It requires a minimum credit score of 620 and the DPA product is available even if you are not a first-time homebuyer. Also, Closing costs can be paid with gift funds or with up to a 3% Seller sales concession. Other conditions apply. Call for more information.
Get in touch today to learn how you can purchase a new home with Down Payment Assistance.
ZERO DOWN FHA
As a mortgage broker, I have seen different ways some lenders offer to help borrowers make the mandatory 3.5% down payment required for an FHA loan.
We now have a lender in place that is offering a grant to cover the entire 3.5% down payment for Oregon purchase loans on single family 1-2 unit properties. Here is the catch – there are “NO PAYMENTS” – this is for real! This means the borrower is never responsible for paying back the money granted to make the down payment. There will not be a second mortgage and the debt is totally forgiven. In addition, you have the option to refinance after making only 6-7 payments if rates are lower in the future.
They require a minimum credit score of 620 and the DPA product is available even if you are not a first-time homebuyer. Also, Closing costs can be paid with gift funds or seller credit.
Get in touch today to learn how you can purchase a new home with Down Payment Assistance.
FREE "INSTANT" WRITTEN ESTIMATES
Most lenders wont provide a "rate" or a "written estimate" without you first filling out an application along with your private info including your social security number. I can provide you with a written estimate with all of your closing costs and the current rate with just a phone call. It only takes a few minutes. I wont ask you for your social security number or run credit and its FREE with no future obligations.
Reverse Refinance Mortgage
If you are over 62 and have substantial equity in your home, you could qualify for a Government insured refinance, payoff the current mortgage, take out cash and never make an interest mortgage payment for as long as you live in the home, And, regardless of the future value, you can never owe more than the home is worth. You are only required to pay your taxes, insurance and HOA dues. Qualifying is much easier and most of my customers qualify with just their social security income.
Reverse Purchase Mortgages
A Reverse Mortgage can also be used to buy a home. If you are over 62 and have enough equity from the sale of your home to put a little more than half down, you could qualify for a Reverse Purchase Mortgage for the balance and never make an interest mortgage payment for as long as you live in the home. And, regardless of the future value, you can never owe more than the home is worth. This amazing product for seniors will almost double your buying power If qualifying for a traditional mortgage if it's difficult to income qualify.
IMPORTANT INFORMATION ABOUT YOUR CREDIT REPORT
For the past year the big 3 credit reporting agencies have been selling customer data called "Trigger Leads" to mortgage companies. If a mortgage lender pulls your credit report, the three major credit bureaus instantly notify thousands of other lenders that you are "looking" for a mortgage product. This practice ends up blowing up your phone with hundreds of mortgage solicitors calling you. There is a bill in congress to force the bureaus to end the practice but in the mean-time, there is a easy way for you to "Opt-Out" of trigger leads. Just go to OPTOUTPRESCREEN.COM and fill out a simple page with your private info and select the 5-year opt-out option. It will take about a week for the "opt-out" to apply. You can go back and "opt-IN" anytime you choose. Its a free service and highly recommended if you are planning on having a mortgage lender or a bank pull your credit in the near future.
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