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Mortgage Refinancing Help
: Business: Financial Services: Mortgages: Regional: United States
: Oregon (15)
 Close inactive credit card accounts to improve your credit score, making you eligible for lower interest rate loans. You will need to notify the credit card companies in writing that you wish the accounts closed on your request. Next, check your credit report after 30 days to be sure closed accounts include the comment "Closed at Customer's Request." You want future lenders to know it was your request and not bad credit that closed your accounts. Also, take the time to check for any mistakes in your credit report that could negatively impact your credit score.
 See also:
 Crossland Mortgage Corp. »
Provides residential mortgage financing in Oregon and SW Washington.
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 Mortgage Loans Northwest »
Lender offers mortgage products and services to the Portland Oregon area, all credit types welcome.
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 Centerpointe Mortgage, Inc. »
Portland's flat home loan fee and mortgage refinancing.
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 Mortgage Consultants Inc. »
Provides residential mortgage financing for Portland and all of Oregon.
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 Rose City Mortgage Specialists »
Mortgage broker in Oregon who donates part of fee to non-profit organizations.
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 Certified Financial Services »
Provides residential mortgage financing for Bend and Eugene.
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 Cascade Mortgage Company »
Provides Oregon mortgage and real estate loans for Bend, Portland, Salem, Eugene and central Oregon.
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 Directors Mortgage, Inc. »
Providing mortgage and finance services for lake Oswego and all of Oregon.
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 Oregon Land Mortgage »
Providing mortgage services for customer with bad credit, low income and property that doesn't qualify.
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 Josh Leake - Mortgage Express »
Mortgage Express
- Mortgage broker for home purchase, refinance, investment, construction and commercial.
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 Cornerstone Mortgage Corporation »
Provides mortgages and finance services for Lake Oswego and all of Oregon.
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 Willamette Mortgage Services, Inc. »
A full-service mortgage brokerage providing home financing in Oregon and Washington.
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 Knight Financial »
A full service mortgage firm located in Lake Oswego, Oregon.
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 Worthington Financial »
Mortgage brokers providing personal and commercial loans on real estate buildings or projects. Located in Salem, Oregon.
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 Mountain Mortgage »
Provides residential mortgage financing for Medford and the state of Oregon.
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 Don't fall for the 0% apr unless it fits in with your master plan. A lot of brokers will try to get you locked into a low interest rate that will balloon on you in a couple of years and leave you out on the street.
When it comes to lowering your rates you will need to weight the benefits of having a lower rate vs. paying points up front. You may end up paying a lot more depending on your choice and how long you plan on keeping your mortgage.
It is feasible to go for a refinance when you have built up at least 10% equity in your home (For Fannie Mae owned mortgages, the value is 5%). It is also possible for you to choose the option if your equity is less than 5%, but you may have to pay a certain amount of cash in order to make up for the difference in equity.
Get your interest rate and closing costs in writing as soon as you decide on a lender to work with. Get your lender to give you a commitment in advance of all of the costs that will be involved with your loan. Find out if the refinance loan you are getting has a pre-payment penalty as well. Sometimes lenders will leave out important information like this, if they think it might scare you away from refinancing with them.
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