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Get Pre-Qualified



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. 

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

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!  

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 $500 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 

Testimonials


Jennifer Venable
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