James Adair

Oregon Mortgage Specialist James Adair

At NEO Home Loans, we exist to empower you with financial literacy and help guide your journey to financial freedom.

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FHA Purchase 4.38% Weekly Change 0.00%APR5.352%Weekly Change 0.00%

FHA Refinance 3.92% Weekly Change 0.00%APR5.003%Weekly Change 0.00%

Conventional Purchase 5.44% Weekly Change 0.25%APR5.901%Weekly Change 0.18%

Conventional Refinance 4.84% Weekly Change 0.00%APR5.407%Weekly Change 0.00%

VA Purchase 4.55% Weekly Change 0.00%APR4.773%Weekly Change 0.00%

VA Refinance 4.50% Weekly Change 0.00%APR4.817%Weekly Change 0.00%

*Oregon Mortgage Rates Last Updated: 08/17/2022

James Adair

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Get to Know James Adair

NMLS#272766

James has been in the mortgage business since 2003 and takes great pride in helping families make great decisions around real estate financing.Throughout the ups and downs of the real estate market, and the fast developing technology that surrounds the modern mortgage process, the one thing that James has held fast is that financial education is the ultimate tool to help his clients succeed.James is committed to keeping himself educated on new ways to help his clients up-level their families financial vision for themselves.As a Certified Liability Advisor, James specializes in diagnosing and strategizing ways to take better control of your debt repayment.The idea is that through a long term relationship, James can provide tools and insights around personal financial mastery.

Mortgage Calculators Purchase, Refinance & Affordability

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Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

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5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Conventional Loans

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
FHA Loans

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

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0%

1%

5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
VA Loans

Curious about refinancing your home in Oregon? Rates are historically low and now may be the right time to start saving money every month!

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%
months
$
%
months
$

Refinancing could save you

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New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Refinancing

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

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$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Looking to Purchase?

Purchase Guide

This guide has all the information you need to navigate the home buying process with ease.

James Adair's Mortgage Blog

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James Adair

James Adair

NMLS#272766 (503) 445-6033 Start Application

We truly appreciate the opportunity to work with you on such an important financial transaction in your life and look forward to exceeding your expectations!