Questions people ask before calling.

Look for a lender who is licensed in your state, has strong local market knowledge, and prioritizes education over sales pressure. I have been serving Oregon and Washington for 14+ years, hold NMLS #963944, and I am committed to explaining every part of the process so you can make informed decisions. Check reviews on Zillow and Google, and ask your real estate agent who they trust. If you want a lender who will take the time to educate you, call me at (503) 804-5716 or use the contact form on this page.

Interest rates change daily based on market conditions, your credit score, down payment size, loan type, and property details. Rather than quoting a number that may already be outdated, I will run a personalized rate analysis based on your exact situation. The goal is not just a low rate but the right loan program for your long-term goals. Contact me for a current rate quote tailored to your scenario.

The loan you qualify for depends on your credit score, income, debt-to-income ratio, down payment savings, and the type of property you are buying. As a general rule, your total monthly housing payment (principal, interest, taxes, insurance) should not exceed about 28% of your gross monthly income, and your total debt payments should stay under 36%. I can run the numbers with you to show exactly what you qualify for and what your monthly payment would look like. Call me at (503) 804-5716 or text me to get a personalized affordability estimate.

Start by getting pre-approved so you know your budget and show sellers you are serious. Next, find a great real estate agent (I can connect you with trusted agents), start house hunting, make an offer, and go through the inspection and appraisal process. We work together to choose the right loan program and down payment option for you, including conventional (as low as 3% down), FHA (3.5% down), or VA/USDA (zero down) if you qualify. Throughout the process, I break everything down so you understand each step. Reach out anytime, I am happy to walk you through it.

A typical purchase loan takes 30 to 45 days from application to closing. Refinances can close in 21 to 30 days. I work proactively to keep things moving and will clearly lay out what is needed from you at each step so there are no surprises. My team is known for meeting closing dates on time.

You will typically need two years of W-2s or tax returns, your most recent 30 days of pay stubs, two months of bank statements, a photo ID, and information about any debts or assets. The pre-approval process gives you a clear picture of what you can afford and strengthens your offer when you find the right home. I make this easy and will guide you through exactly what to gather.

Pre-qualification is an informal estimate of what you might be able to borrow, often based on self-reported information with no verification. Pre-approval involves a verified review of your finances, a credit check, and a conditional commitment from a lender. A pre-approval carries far more weight with sellers and real estate agents, and it is the step I recommend before you start shopping.

It depends on the loan program. Conventional loans can require as little as 3% down. FHA loans require 3.5%. VA and USDA loans may require zero down for qualified borrowers. I will help you understand which programs you qualify for and what makes the most financial sense for your situation. Many people are surprised to learn they may not need as much as they think.

Absolutely. First-time buyers are a core part of my business, and I love helping people navigate the process for the first time. I take the time to explain every step from pre-approval through closing so you feel confident. I also help connect you with down payment assistance programs when available. Whether you are just starting to explore or ready to make an offer, give me a call at (503) 804-5716 and we can talk through your options.

Yes. VA loans are one of the best benefits available to service members and veterans, offering zero down payment, competitive rates, and no private mortgage insurance. I have extensive experience with VA lending and understand the unique requirements and documentation involved. If you are a veteran or active-duty service member in Oregon, Washington, Arizona, Idaho, or California, call or text me at (503) 804-5716 to discuss your VA loan options.

Local lenders understand the specific market conditions, property tax rates, insurance costs, and regulations in the states where you are buying. As a local lender licensed in Washington, Oregon, Arizona, Idaho, and California, I know what makes each market unique and can tailor your loan accordingly. You also get direct access to me throughout the process, which means faster decisions, clearer communication, and a team you can actually reach by phone or text. If you are buying in any of these states, call me at (503) 804-5716 and I will help you navigate your local market.

Three things stand out: speed, education, and experience. I respond faster than most lenders because I know that timing matters in real estate. I invest in tools and resources that simplify the mortgage process so you actually understand what is happening at every stage. And with 14+ years in the industry, I have seen every scenario and can guide you through even the most complex situations. Adulting is hard enough, mortgages do not have to be.

I'm licensed in Washington, Oregon, Arizona, Idaho, and California, serving communities throughout these states. My service areas include Portland, Sherwood, Lake Oswego, Tigard, Beaverton, Newberg, McMinnville, Seattle, Tacoma, Bellevue, Kirkland, Snohomish, West Seattle, Issaquah, Redmond, Burien, Queen Anne, Ballard, and many surrounding areas.

I offer a full range of mortgage products including conventional, FHA, VA, USDA, jumbo, and adjustable-rate mortgages. I also help with refinancing, cash-out refinances, and investment property loans. The right program depends on your specific goals, and I will walk you through the options so you can choose with confidence.

The best way to know is to get pre-approved. A pre-approval gives you a realistic picture of your buying power, what your monthly payments would look like, and what you need to prepare. From there, we can discuss whether the timing is right based on your financial situation, market conditions, and personal goals. If you are wondering whether now is the time, call or text me at (503) 804-5716 and I will help you figure it out.