Paula Siverly
Mortgage Advisor | NMLS #375511
Welcome to my loan officer page. I'm licensed in Oregon and Washington. I look forward to showing you what Advantage Mortgage can do for you! I am the founder and team leader of the Possibility Squad. A group of like-minded mortgage professionals who are committed to empowering their families, friends and community with the knowledge they need to make the best home loan choices for their personal situation. We are here to guide and empower our clients as they explore their home Loan possibilities.
State License: OR-375511, WA-MLO-375511
I'm a Loan Officera Branch Managera Community Buildera Lover of Music
With over 30 years' experience in the financial industry, Paula brings a joyous can-do attitude, without judgement, to meet you where you are financially with authentic realistic guidance throughout the mortgage process. Whether you are thinking about getting your ducks in a row to purchase your first home, up sizing, downsizing or are a seasoned investor, her expert advice is geared for your success. She will keep your financial future at the heart of each conversation with the goal to your preferred mortgage lender for life. You deserve the highest standard of service not only during your transaction but beyond. Paula looks forward to staying connected and being an ongoing resource for all your real estate needs. Outside of her career, Paula can be found volunteering, supporting her family in their audio and lighting engineer business, as well as supporting the local music scene or enjoying her home hosting friends and family as she cooks up a delicious meal or treat. She has learned firsthand that life is short and strives to embrace each day as the gift it is.
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: $96 (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 Sandy branch!
Let’s get started.
I’m excited for the opportunity to work together. How can I help you?
