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Mortgage Adoption Program

We believe that owning real estate, and having borrowed money against it is MORE than a simple transaction.   Your equity is always on the move, and your debts are always changing- and so is LIFE!  We believe that owning real estate requires some ongoing active management. The problem is that most lenders are set up …

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FHA 203K Rehab Loan

One common rehab financing program is through the FHA. Since it is run by the government, it has a silly bureaucratic name – “the FHA 203K” program! Within this umbrella there are 2 versions of the FHA 203k – the FHA 203k Standard, and the FHA 203k Limited… the 203k Limited was formerly known as …

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Renovation Financing

Many clients of mine zero in on properties that require some additional work. The next question is “how do we pay for these property repairs, and is there a way we can finance them?” This is a key question, and there are actually quite a few ways to make it work. The renovation or rehab …

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VA

The VA mortgage is available to those who are serving in the US military, or have been discharged from service in the past. The VA loan is a great benefit for those who qualify. The hallmark of the VA loan is that it allows for 100% financing. No down payment! Additionally- the VA insurance is …

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USDA

The USDA loan is similar to the FHA in some ways. It is insured by a government agency, but not the Federal Housing Administration….(or the department of Veterans Affairs). The USDA loan is insured by the US department of Agriculture! There are some major limitations to the USDA loan program, the main one being location …

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FHA

The FHA loan is often mistaken for a first time home buyer program in the Portland area. This is because it is a program OFTEN used by first time buyers, but anyone can qualify for the FHA mortgage! The reason why FHA is so common is that it is simply the easiest loan to qualify …

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Conventional

Conventional financing aka “conforming financing” refer to the basic loan programs that have prevailed in the Oregon Real estate market for decades. In fact, the term “conventional financing” is an umbrella term that covers ALL loans you could get from a bank, or broker. “Unconventional financing” would refer to seller carried contracts, private financing, and …

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Home Improvement & Constructions Loans

Building a Better Strategy: Home Construction Loans When it comes to new construction loans, there are two main types of home loans to choose from: construction-to-permanent and stand-alone construction. Situationally, there are many reasons why either may be more appealing to a borrower than the alternative. Here’s the rundown… Construction-to-permanent loans With construction-to-permanent loans, the …

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