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All agents are NOT alike! Find out why we are top real estate experts in the Portland Metro. Call Jennifer at 503-889-6472.

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Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate!
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"Jennifer was a wonderful agent. She was extremely helpful each step of the way.I would totally recommend you to friends and family!"
Jenny Loeschorn Portland, OR
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Pre-Qualify For Your Mortgage
Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and interest rate and mortgage you can afford, But will the bank feel otherwise after they reviewed all your information?
It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you and how much you can really afford. 

Portland Home Loan Experts 

Division of Big River Mortgage 


Our philosophy and mission is to provide home buyers and owners a smooth, educated and stress free experience. We strive to help our clients secure the right Mortgage loan for their personal and financial goals.  

With the ever changing loan programs, staying up to date with guidelines, rates and the products available is very important. However, we believe that the most important thing we can do is help you feel comfortable about the process by providing valuable information that will prepare you for the financing process. If you cannot be approved for a loan right now, Jennifer and I will work with you for as long as it takes to get you ready. 

Big River Mortgage is a Local Mortgage Banker which means that Processing and Underwriting is completed in House. This gives us control over the flow of information and the ability to close quickly while keeping you informed about the loans progress every step of the way. 

We has access to all of the most commonly used loan programs today, including FHA, Conventional, USDA, VA and Jumbo. If we do not have something in house, we can broker it to the lender of choice! 

Rates are low and if you wait you could loose purchasing power! 

In the last 5 years rates have been offered between 5.875% and 6.875% roughly speaking.
Let’s choose 6.5% for our example. $200,000 loan at 6.5% would cost $1,264 per month. At today’s pricing of 4.625% it would only cost $1,028. That difference in pricing is the equivalent of $85,000 over the life of the loan. That difference is also equivalent to a price change of $46,000.
So if you buy now, and take advantage of these rates your purchase power increases by almost $50,000 more than when rates go back to the range they have spent much of the last 5 years!!
This doesn’t even take into consideration the fact that by summer, prices in the Northwest are going to be going back up, slowly stabilizing. In many pockets of Portland they already are!  

Michael Neef is a loan expert with Big River Mortgage and Portland Home Experts preffered lender of choice!  

With several years of experience, Michael Neef truly believes that your home loan can directly impact your financial success. That is why Michael's team works with you one-on-one helping you make smart choices for your specific loan needs. With a wide array of products, Michael and Big River Mortgage have a lot to offer.  

Michael's team does not limit the loans they do by size, credit grade, past experience or anything that may cause competitors to say no. Michael accepts the challenge on every loan of every type, because it matters to you.  

His team will work with you as long as it takes to get your loan approved!  

APPLY ONLINE NOW AND RECIEVE A $400 CLOSING COSTS CREDIT AT CLOSING! 

You may also reach Michael Neef at:
(503) 929-4615 : Direct
|(503) 501-4987 : Fax
|Michael@PortlandHomeLoanExpert.com
www.PortlandHomeLoanExpert.com 

For more information about our experience, company or to see testimonials please go to
www.PortlandHomeLoanExpert.com/AboutUs 

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Real Estate Tips
Titles >Liens Against the Title

Occasionally homeowners who are trying to sell their home are surprised to learn that their title is encumbered by a lien. There are several types of liens; the most common are mechanic's or contractor's liens.

The lien (or debt) must be paid off in order to be cleared. If the owner prefers to challenge the lien, he can release it by posting a bond, pending adjudication. In some types of liens, a title search may disclose claims against the property by an ex-spouse or long-ago heir of a former owner. A simple "quitclaim" deed may be used in these cases. By signing the deed, the person involved signs over whatever rights he or she might have, without laying any claim to the property.

Most real estate transactions involve at least some minor unresolved issues on the part of either the buyer or the seller. This is where an experienced real estate agent can provide solutions to resolve the issues and conclude the sale.

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Real Estate Trivia
Q 
Where is the world's largest bridge located?

A 
Lake Pontchartrain Causeway at New Orleans, Louisiana is the world's largest bridge. It is almost 24 miles long.
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Portland Home Experts, REALTOR®, real estate agent and broker for Portland, SE Portland and NE Portland, Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Jennifer Venable
Portland Home Experts - John L Scott

1800 NW 167 Place
Suite #100
Beaverton, OR 97006
Jennifer Office: 503-645-7433 ext, 245
Jennifer's Cell: 503-889-6472
Fax: 503-645-3049
Jennifer's E-mail: jenniferv@johnlscott.com

We can't wait to work with you! Whatever you need, we can help! Whether you're a first-time home buyer or seasoned investor you will find your experience working with us a pleasure! Are you moving from out of the area? Whatever we can do to to make your transition to the Portland area smoother, you let us know! We can do a ton to make your life easier! New Construction? We have a wonderful builder who does amazing custom construction as you can see if you peruse through some of our listings. Are you an Investor???? ....we have a unique niche in helping people who are credit challenged but mortgage capable to get into their first or sometimes subsequent home through a lease option program. We also come across several properties that's seller's need to sell quickly, great for rentals and seller's in distress who need to sell asap. Are you looking for a home with instant equity??? ... If you would like to know about these homes in advance please contact us. We would love to work with you and help you attain your real estate dreams! Please send us an email or phone call, we look forward to meeting you! Jennifer

Equal Housing REALTOR




    

    

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