I'm a Mortgage Broker
When considering a home loan for you and your family, what kind of mortgage broker would you want on your side? Who would you want guiding you through some of the most important decisions of your life? You would want someone like Jen Bell. Jen is an ex-naval instructor, equestrian and she knows the meaning of hard work, problem solving, perseverance and passion. Her attention to detail is fierce and her integrity supersedes most you'll ever come across. Jen loves making sure her clients are well taken care of and giving people a sense of confidence and trust means the world to her. It's what motivates her to be the best and it's what has driven her to be an incredible loan officer and professional partner for over 18 years. Bell knows the business and she knows it well. It's a business of highs and lows and knowing how to navigate her way through them, has taught her well. Working through the markets crash in 2008 and successfully guiding her clients and team through it, gave her incredible determination. Jen is not a stuffy salesperson but more of an educator. She applies her personal passions and what those mean to her on a human level, to elevate her business. She provides confidence and strength to her clients during a time filled with many uncertainties. Jen fondly looks back on the time when she bought her first home and will never forget the impact it had on her life. She remembers the worries and joys she went through personally and that gives her added confidence in supporting her clients during their process. Jen's like a team captain. She will coach and guide you in the most thorough and supportive ways possible. Work and interpersonal relationships are extremely important to Jen as well. Long-term relationships with her clients are important and her highest form of flattery is seeing them return again and again with questions and loan needs throughout their lives. With Jen Bell as your mortgage guide, you will conquer your goals, fulfill your dreams and you will do it together until the job is done.
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?
