Michael Saurini
Senior Mortgage Advisor | NMLS #825111
Welcome to my team page. I look forward to showing you what my team and I can do for you!
State Lic OR-825111, WA-MLO-825111, CA-DFP25111
I'm a Loan Officeran outdoor enthusiastauthenticsolution-orientedapproachabledependable
For the past 15 years, I've had the privilege of helping families and individuals achieve their homeownership dreams. I know that mortgages can seem complicated, so my approach is simple: make the process easy to understand, keep communication clear, and guide my clients every step of the way. While I work hard behind the scenes to navigate the details, analyze options, and solve challenges, my goal is for you to feel confident and informed throughout the entire journey. I believe that every client deserves personalized attention, honest advice, and a lending partner who truly cares about their success.
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.
1st Time Homebuyer
Will this be your first time purchasing a home? No sweat.
Moving Up
When you’re ready to take that next step, we’re here for you.
Downsizing
They say size isn’t everything. Let’s review your options.
Refinancing
Love the home you’re in? Let’s make it even better.
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 Portland branch!
Looking at loan options?
We'll help you find the right loan programrateterm
As a mortgage broker, I shop 100’s of lenders to find you a great rate and offer a wide selection of loan programs.
Let’s get started.
I’m excited for the opportunity to work together. How can I help you?
