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Mortgage Refinancing Help: Oregon

Use a mortgage broker. A mortgage broker will show you mortgage products from different banks and mortgage providers. Pick a mortgage broker carefully. If the broker works directly for a company that offers financial products, make sure he shows you clearly why one of these products is better. Mortgage brokers also get a commission on their sales. Find out what the broker's services include and if he charges any fees. Many brokers do not charge fees beyond their commission. Also check the broker's credentials.

 

 
           
Mortgage Refinancing Help : Business: Financial Services: Banking Services: Credit Unions: Regional: United States : Oregon (29)

 

 

 

Mortgage Refinancing TipAsk for more than just rates. Bad loan officers will tell you anything to keep you on the phone -- then change the details to suit them later. Instead, make them get real with you! Ask how long they've been in the industry. Probe them about their experience in the industry. Also, ask what their opinion is on the current market and where it's going.


Mortgage Refinancing Help: Oregon ()

See also:


 
Rogue Federal Credit UnionRogue Federal Credit Union »
Medford. Membership is open to select employer groups.
 
Clackamas Federal Credit UnionClackamas Federal Credit Union »
Oregon City. Membership is open to select employer groups.
 
St. Helens Community Federal Credit UnionSt. Helens Community Federal Credit Union »
St. Helens. Membership is open to those who reside or are employed within twenty miles of the main office.
 
First Tech Credit UnionFirst Tech Credit Union »
Membership is open to select organizations listed on website. Has branches in the Portland area, Salem, Eugene and Springfield, as well as two cities in Washington State.
 
Sunset Science Park Federal Credit UnionSunset Science Park Federal Credit Union »
Portland. Membership is open to select employer groups.
 
OSU Federal Credit UnionOSU Federal Credit Union »
Corvallis. Membership is open to residents of Linn or Benton counties.
 
Advantis  Credit UnionAdvantis Credit Union »
Portland. Membership is open to select employer groups.
 
Wauna Federal Credit UnionWauna Federal Credit Union »
Clatskanie. Membership is available to anyone who lives or works between Rainier Hill and Warrenton-Hammond city limits, and from the Columbia River to Jewell.
 
Retail Pharmacy Federal Credit Union,Retail Pharmacy Federal Credit Union, »
Wilsonville. Membership is open to select employer groups.
 
SELCO Credit UnionSELCO Credit Union »
Eugene. Membership is open to Lane or Deschutes county residents and select organizations. Describes services and locations.
 
Oregonian Federal Credit UnionOregonian Federal Credit Union »
Portland. Community credit union with membership open to anyone who lives, works, goes to school or church in the Fareless Square region of downtown.
 
Oregon Federal Credit UnionOregon Federal Credit Union »
Coquille. Membership is open to Coos County or western Douglas or Lane counties.
 
Marion and Polk Schools Credit UnionMarion and Polk Schools Credit Union »
Salem. Membership is open to educators of Marion and Polk Schools.
 
Oregon Telco Community Credit UnionOregon Telco Community Credit Union »
A community credit union offering loan and banking services for Multnomah, Washington, Clackamas, Marion, Polk and Yamhill counties.
 
Oregon Employees Federal Credit UnionOregon Employees Federal Credit Union »
Salem. Membership is open to employees of the State of Oregon, or anyone who lives, works, attends school or worships in Marion, Polk or Yamhill Counties.
 
Forest Park Federal Credit UnionForest Park Federal Credit Union »
Portland. Employees of the following our eligible: ESCO Corporation, Standard Steel, American Steel, Zidell Tube Forging of America, Friends of Forest Park, Oregon Consumer League, Veterans Administration Medical Center, and Living Enrichment Center.
 
Linn-Co Federal Credit UnionLinn-Co Federal Credit Union »
Membership is open to anyone who lives, works or worships in Linn County.
 
Portland Federal Employees Credit UnionPortland Federal Employees Credit Union »
Portland. Membership is open to federal employees.
 
Laneco Federal Credit UnionLaneco Federal Credit Union »
Eugene. Membership is open to employees with Lane County and select employee groups. Offers youth accounts.
 
Chetco Federal Credit UnionChetco Federal Credit Union »
Harbor. Anyone living or working in Curry County, Oregon, or the area extending 14 miles south of the rookings post office is eligible to become a member.
 
Portland Teachers Credit UnionPortland Teachers Credit Union »
Portland. Membership is open to employees and elected board members of public school districts and community colleges in the five counties of Clackamas, Columbia, Multnomah, Washington or Yamhill.
 
Northwest Resource Federal Credit UnionNorthwest Resource Federal Credit Union »
Portland. Membership is open to employees of NW Natural, Portland Opera, Burlington Northern, other select employee groups, and people who live, work, worship, or attend school in Portland's central city neighborhoods.
 
Rivergate Federal Credit UnionRivergate Federal Credit Union »
Portland. Serving the employees of businesses located in the Rivergate Industrial Park in Portland, Oregon.
 
Pacific NW Federal Credit UnionPacific NW Federal Credit Union »
Portland. Membership is open to Bonneville Power Administration employees.
 
Central Willamette Community Credit UnionCentral Willamette Community Credit Union »
Cooperative member-owned financial institution with locations in Albany, Corvallis, Lebanon, and Salem. Membership open to anyone who lives in Benton, Linn, Marion, or Polk County.
 
Mid Oregon Federal Credit UnionMid Oregon Federal Credit Union »
Bend. Any person who lives, works, worships, or goes to school in Deschutes, Jefferson or Crook County is eligible for membership.
 
Southern Oregon Federal Credit UnionSouthern Oregon Federal Credit Union »
Grants Pass. Serving members of select organizations in southern Oregon.
 
Pacific Cascade Federal Credit UnionPacific Cascade Federal Credit Union »
Eugene. Serving all city employees of Lane County, current members in the health care industry, McKenzie-Willamette Hospital, LTD, Willamalane, and several select employee groups.
 
Rivermark Community Credit UnionRivermark Community Credit Union »
Portland. Membership is open to employees of Safeway.

 


 
      


Mortgage Refinancing TipBe Prepared. You'll probably be asked for more information and documentation after you submit your application, but before your loan is approved be prepared to document your income and assets. Answer any questions and fax documentation to your loan representative as soon as possible.
 

Mortgage Refinancing TipBoth new homebuyers and refinancers can get free access to the credit reports that lenders use by visiting AnnualCreditReport.com, a website created via Congressional mandate. A free report from each of the three consumer reporting agencies -- TransUnion, Experian and Equifax -- is available at no cost every 12 months. Check for errors; if mistakes are found, don't hesitate to dispute any and all inaccurate and derogatory items.
 

Mortgage Refinancing TipResist "no cost" refinancing. No cost doesn't mean free. On the contrary: The closing costs are usually bundled into the new mortgage, which means you pay interest on them. The fees associated with a 30-year mortgage could cost you more than double what they would have had you simply written a check for them at closing. Or, if the costs aren't bundled in, you'll be charged a slightly higher interest rate. Either way, the lender wins.
 

Mortgage Refinancing TipRefinancing can be the right move to improve your financial situation, but be careful. Making the wrong move can put you much worse off. Smart and simple choices will go a long way toward keeping you financially secure.
 

   

   


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