Oregon First Time Home Buyer Key People – Pt 2
September 30th, 2009 | 
Author: Your Mortgage Advisor (or loan officer, or mortgage planner, or loan consultant, etc.) will be your guidepost in what you can and may pay for a home. The mortgage advisor will determine the kind of program that you qualify for to become an Oregon First Time Home Buyer, so it is important you chose your mortgage advisor carefully.
As a mortgage advisor, I will weight your specific circumstances (income, credit, and down payment) with your needs and desires and recommend the best loan package for you. There are many steps in a successful loan application and it starts with the application and interview. For instance, just because you might qualify for a $300,000 house, it doesn’t mean that you will be happy with the payment on this much home. That is where getting to know you and what you are trying to accomplish is so important in the process. The process ends when the loan is funded, but the relationship doesn’t end there as I keep in touch with you over the years to make sure you are still in the best product available.
As an experienced mortgage advisory, I understand the programs and underwriting well enough to determine whether a person fits within the loan guidelines before putting the package through days or weeks of underwriting. I also work very closely with my clients with credit issues to put them on the track to home ownership. Developing a relationship is very important in this business and I want my clients to trust that I am working to make the process smooth and as worry free as possible.
We don’t want our First Time Home Buyers stuck at the end of the transaction with a moving van backed into the driveway waiting for the loan to close. Delays sometimes happen, but an experienced mortgage advisor will be prepared and will be working closely with your Realtor® while keeping you fully informed throughout the process. Give me a call today, 541-342-7576/541-221-3455 Cell or e-mail me for an appointment. Tomorrow, Part 3 will talk about your insurance agent.
Posted in Adjustable Rate Mortgage, Down Payment Assistance, Eugene Oregon, FHA 203k Streamline, FHA Mortgages, First Time Home Buyer Tax Credit, Lane County Oregon, manufactured homes, Mortgage Loans, Springfield Oregon, USDA Rural Guaranteed Loan, VA Mortgage Loans | 
Tags: Adjustible Rate Mortgage, eugene springfield, FHA Loans, lane county, Lender, Loan Consultant, Loan Officer, Mortgage Banker, Mortgage Loans, Mortgage Planner, oregon, Real Estate Mortgage Loans, VA Loans
Posts
The role of a good mortgage adviser should not be underestimated. Just as you said, even if you qualify for a higher payment, is that really a prudent decision? And an adviser can help you determine the best type of loan to get, such as a VA loan, based on available money for the down and various personal factors that affect the rate. It takes more than a realtor and a title company to make the sale go through and happen smoothly.