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