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James Adair Is Prepared To Build A Smart Home Loan Plan in the Portland Oregon Market

PDX Home loan Team : Portland mortgage Broker

The James Adair team of Portland mortgage brokers has worked closely with current and prospective homeowners in the Pacific Northwest for more than a decade, creating tailor-made mortgages to meet their needs. Currently, we are ranked in the top 1 percent of mortgage industry nationwide — and for good reason.

The mortgage business tends to be very transactional in nature, but we believe customer relationships to be the foundation of our business, and as such, we pride ourselves on taking a conversational approach to lending.

We will set aside the time to demystify the dynamics of the nuanced mortgage lending process for you, paving the way for a productive and fruitful dialogue regarding your unique situation. Our team will take into account all of the parameters and metrics of your financial life, your real estate ambitions, and the latest details of the ever-fluctuating mortgage loan market, in order to customize the ideal mortgage for you. That’s the James Adair difference.

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A MORTGAGE BROKER WITH A PROVEN STRATEGY TO GET YOU A SMART MORTGAGE LOAN

When you need something done, it’s usually wise to seek out a professional in the relevant field — a source of knowledge, skill, and invaluable intuition. This is certainly true in the world of finance. When you’re in the market for a mortgage, you’re in need of the insights of a savvy expert in the industry — a mortgage maestro, if you will. A virtuoso of value.

As a mortgage loan originator, James Adair has funded more than 1,300 loans totaling more than $300 million over this course of his career. This success is a testament to both our strategy and our conversational approach to lending — or the “borrow smart conversation,” as we like to call it.

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From avoiding the 4 most common missteps made during financial planning to
a basic articulation of key home mortgage loan terms, the Portland Home Loan team
has a proven strategy to assist you.

 

 

As eloquently articulated by my mentor and mortgage sensei, Todd Duncan: “The lowest rate, combined with the wrong mortgage strategy, is often more expensive than a loan with the higher rate combined with the right strategy.”

How is the real cost of your mortgage determined? It’s a combination of upfront fees, monthly payments over time, tax implications, income potential, and property appreciation/depreciation, etc. The lowest cost can only be achieved by selecting the right mortgage for your household, and that depends on many factors, foresights, and home loan requirements.

Your credit profile and personal income will play a pivotal role in the lending process. These two components will broadly influence both how large your mortgage payment can be, the rate you are able to lock, and also the type of mortgage loans available to you.

Another important question is how much money you’re able to throw down — down payment, that is — up front on your mortgage. Because virtually every single type of mortgage loan requires some kind of up-front cash contribution, this is certainly a major preliminary point to consider.

In this vein, conforming guidelines will dictate how much cash will be required and how to document it. These home mortgage rates fluctuate. Currently, for example, the lowest down payment allowed for conforming loans is three percent. Mortgage insurance may also be required under some circumstances.

Before you come in for a visit, we have created and carefully calibrated our own easy-to-use mortgage loan calculator, so you can jumpstart the financial planning process on that vacation property of your dreams, or on your first Portland, Oregon mortgage loan. Unlike innumerable other home loan calculators floating around online, our product has been designed with precision and practicality in mind. Give it a whirl!

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A MORTGAGE LENDER SHOULD BE A SOURCE OF KNOWLEDGE (AND CONFIDENCE)

When it comes to a home financing plan, you need an experienced home mortgage lender by your side. James Adair has worked as a mortgage originator since 2003, and in that time, the Adair Team has closed more than 800 mortgage transactions.

Our team of savvy Sierra Pacific local mortgage lenders will guide you through the mortgage process from start to finish. We’ll explain the language of real estate financing and illustrate what to expect during the lending process. Get real advice from a real Portland dude in plain English — not overly lawyerly mortgage broker speak.

JAMES ADAIR : TOP 10 SIERRA PACIFIC MORTGAGE PRODUCER NATIONWIDE IN 2015, 2016 AND 2017

As the saying goes, actions speak louder than words — and while we certainly practice what we preach, sometimes having a trophy or three to show for your efforts says plenty as well. For three years running, James Adair has been ranked in the Sierra Pacific Mortgage Producers Top 10 list. In fact, Portland Home Loan has more 5-star Yelp reviews than any other Portland mortgage broker.

We are zeroing in on nearly a half billion dollars in mortgages created since 2003, and we look forward to building a lasting relationship with you, to help you plan your financial future. Let’s have a conversation and discuss your options.

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1300
loans funded and
counting
$300M+
of mortgages created
over my career

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Sierra Pacific Mortgage Company, Inc. - NMLS 1788
ML: 1098221 Licensed in Oregon ML-460
& Licensed in Washington CL#1788
Not Licensed in New York

Sierra Pacific Mortgage May not be the lender for all products offered on this website. Some loans may be made by a lender with whom Sierra Pacific Mortgage has a business relationship.