As one of the few area Portland Housing Center certified loan officers, I am dedicated to serving the needs of First Time Buyers.
How can you tell you are working with a First Time Home Buyer Specialist?
We offer all of the area first time homebuyer programs including the valuable MCC tax credit, NHF Platinum Cash Grant, Oregon Bond, MAP 100% financing, 100% USDA financing, Renovation financing, and more
We understand how to overcome the unique concerns and challenges of first timers including counsel on student loans, credit score challenges, options for qualifying without a traditional income source, how to increase affordability via homeownership, financial strategies and important concepts of owning a home, using gift funds & co-signers to qualify, homebuyer programs that make your home more affordable and financially secure, and real world counsel on how to make home ownership support your broader life goals.
We offer complimentary pre-approvals that are fully underwritten approved. This provides First Time Buyers with additional peace of mind, avoids ugly surprises that can be characteristic of lenders who do not underwrite borrowers prior to being in contract, and providing you a better chance of an accepted offer, since the majority of pre-approved buyers will not have been underwritten approved.
We never decline borrowers; either you approve now, or we counsel you on exactly what needs to happen for you to approve in the future.