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I was born and raised in the Salem area. I moved to Arizona for 5 years where I learned the mortgage business during one of the toughest times in the hardest hit markets in the nation. I moved back to Oregon when we found out we were having our first child. I wanted to bring the knowledge that I gained from working in such a distressed market back to the area I know and love. One of the biggest things for me is to teach each and every client something no matter if you have many houses or this your first.

I work with people to find the best product for buying a new home or refinancing the one they are currently in. I love helping first time home buyers learn the process of obtaining a mortgage and teaching clients how and why we are doing what we are doing along the process.


One of the best products that not many people know about is a rehabilitation loan. The program code is 203k so that is what I will refer to it as in this post. The loan is a FHA loan. The process of qualifying for this loan...
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I CAN'T PUT 20% DOWN. WHAT ARE MY OPTIONS?You have a great job and make plenty of money to make your monthly payments but don't want to put all of your savings into your down payment? There are still options for...
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1. Take stock of your situation ?What are your short-term goals??What are your long-term goals??How long to you plan to live in the area you are thinking about??How long is your family going to be the same size or...
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HARP 2.0 IS LIVE AND WORKING FOR HOMEOWNERS The governments Home Affordable Refinance Program has been out and has been used by many for the past couple months. Many of the people I have spoken to leading up to this program...
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So, you keep seeing on the news mortgage rates are at all time lows. Then the next story you see is how the housing market has seen its bottom point. After watching the news you sit down at the computer and start thinking " I...
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Non Occupying Co Borrowers Have you tried purchasing a home in the last couple of years and been declined because you didn't have sufficient income? There may be a way to fix this! FHA allows for buyers to use a...
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Did you buy your house in 2009 or earlier? Love your house and feel like there is nothing you can do because you are "underwater"? Finally, there might be something you can do! Thanks to HARP 2.0, the program that Fannie Mae...
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