I'm a Mortgage Advisora Moman Animal Lovera Hugger
Over a decade ago, I made the move from bustling Las Vegas, NV to the serene beauty of Bend, Oregon. My motivation was simple: I wanted my kiddo to grow up surrounded by the incredible outdoor opportunities and lifestyle that Central Oregon offers, much like I experienced in my own upbringing in a small town. This decision has proven to be immensely rewarding, and I continue to feel incredibly fortunate. In my professional life, I take pride in ensuring that my clients receive the communication and support they need to navigate the loan process seamlessly, from initial pre-approval to the final closing. For me, it's not just about completing a transaction; it's about forging lasting relationships. There's immense satisfaction in helping clients realize their dreams of homeownership or securing their ideal property. I have also broadened my expertise and achieved certification as a Certified Divorce Lending Professional (CDLP®). My main objective is to support divorced homeowners in making informed decisions regarding their home equity solutions. Furthermore, I work closely with divorce teams to detect any potential conflicts between the divorce settlement, mortgage agreements, and real property. When I'm not assisting clients, you'll find me fully immersed in the outdoor wonders of Oregon – skiing, hiking, paddle boarding, mountain biking, and camping. I'm living the dream, and I wouldn't have it any other way.
Where are you in your journey ?
I understand that no two clients are alike, so I put together useful mortgage information specific to different homebuyer and homeowner situations.
How to Apply for a Mortgage Home Loan
Step 1: Complete Your Mortgage Loan Application
Start by filling out the Mortgage Loan Application, where you’ll provide your personal and financial details for our review. Be sure to upload all necessary documents—this helps us assess your information and provide an accurate Pre-Approval.
Step 2: Request Your Credit Report
Next, you’ll need to request and pay for your credit report. This report allows you to review your credit details for accuracy, access your credit scores, and submit them for the Pre-Approval process.
Cost: $150 (paid directly to the credit bureaus)
[Order Your Credit Report Here]
Step 3: Consultation & Pre-Approval Discussion
Once we’ve reviewed your application and credit report, we’ll schedule a consultation to discuss:
Your approved loan amount
Estimated monthly payments
The home-buying process
Any questions you may have
Prefer to apply in person? Give me a call, and we’ll set up a time!
FREQUENTLY ASKED QUESTIONS
What is a
Pre-Approval?
A pre-approval is a preliminary assessment of how much you may qualify to borrow, including your estimated loan amount, interest rate, and terms based on the lender’s guidelines. This evaluation considers your income and credit information to determine your eligibility.
The biggest advantage of getting pre-approved is knowing exactly how much you can afford. This helps you focus your home search on properties within your price range, saving time and ensuring you look at homes that fit your budget.
Why do you require documents?
We require documents to verify the information provided in your application. These third-party records confirm your job history, current income, and assets, ensuring accuracy in the pre-approval process.
While not all lenders require documentation upfront, our team prioritizes providing reliable and accurate pre-approvals. When we say you’re pre-approved, you can trust that you’re on solid ground to close your home loan once you find the perfect home.
Why do I have to pay for my credit report?
Your credit report is essential for the pre-approval process, as it helps us assess your current debts—one of the key factors in determining how much you can borrow.
By paying for the report, you’ll receive a copy to review for accuracy and see your credit score. The good news? We’ll credit you back the cost of the report when your loan closes!
Do I need a Realtor while house shopping?
Buying a home is a major financial decision, and having a skilled Realtor can make all the difference. They guide you through the process—finding the right home, making a competitive offer, handling negotiations, and reviewing key documents.
With their market expertise, Realtors help you avoid costly mistakes and ensure a smoother, more informed buying experience.
Do I need a home inspection?
While an appraisal helps determine a home’s value, a home inspection gives you a detailed look at its condition. An inspection can uncover potential or existing issues before you commit to the purchase, helping you make an informed decision.
A professional home inspector will evaluate the property’s systems and components, identifying any necessary repairs and estimating their costs. While not always required, a home inspection provides peace of mind and can help you avoid costly surprises down the road.
My Branch
Where can you find me? At Advantage Mortgage’s Bend branch!
Let’s get started.
I’m excited for the opportunity to work together. How can I help you?
