Welcome to Oregon real estate mortgage .com. Our Oregon mortgage brokers are the best in Oregon. Oregon real estate mortgage .com takes pride in our Oregon Loan programs. Our site provides information on Oregon equity loans, Oregon debt consolidation loans, Oregon second mortgages, Oregon home improvement and home equity credit line loans and pre-qualifying 1st time home buyers on a OR home loan.

What Documents Will I Need to Apply?!

Below is a list of all the documents possibly required to accompany a mortgage loan application. Collecting the necessary documentation in advance will save you significant time in the loan process. It's possible that you may need additional documents depending on your situation and the type of loan. We will inform you if additional documents are necessary.

Purchase Loans

• Copies of previous two years W-2 forms
  
• Copy of the two most recent pay stubs
  
• Social Security number of all applicants
  
• Legible sales contract signed by Buyers and Sellers
  
• Name, address, and all income earned from all employers for past 24 months
  
• Three months most recent statements for checking & savings account (s)
  
• The most recent statement for any Stocks, Bonds, Mutual Funds, IRA’s, Thrift Savings
  
• Plans (TSP), Retirement Accounts etc.
  
• If you are currently renting, provide either 12 months of cancelled rent checks or the name and address of your current landlord
  
• Copy of your 1st mortgage note (if applicable)
  
• Copy of your 2nd mortgage note (if applicable)
  
• If you choose to include income from child support/alimony, bring copies of court records or cancelled checks showing receipt of payment.
  

2nd Mortgages/Home Equity Loans

If you have filed bankruptcy in the last seven years:

• Copy of petition and discharge, handwritten explanation of reason for bankruptcy, evidence of excellent credit since the bankruptcy.
  

If you will be using Child Support/Alimony income to qualify:

• Copies of court records of cancelled checks showing receipt of payment.
  

If you will be using income from a Trust Fund to qualify:

• Previous two years Federal Income Tax Returns with all schedules and a copy of the complete trust agreement.
  
• 2 years W-2's. (S.E.) & 1040's.
  
• Current P & L YTD.
  
• 2 years 1040 (If self-employed).
  
• Pay stubs for one month.
  
• 3 months bank statements all accounts.
  
• Executed copy of contract for purchase.
  
• Copy of deposit checks and source of funds.
  
• If a REFINANCE, copy of warranty deed, survey and prior title policy.
  

No Points - No Cost Loans!

Whatever happened to the conventional wisdom of waiting for the rates to drop 2% before refinancing? You have a 30-year fixed loan at 8.5%. A loan officer calls you up and says they can refinance you to a rate of 8.0% with no points and no fees whatsoever. What a dream come true! No appraisal fees, no title fees and not even any junk fees! How can a bank and broker do this? More no points and no costs loans.

Oregon First Time Home Buyer

Oregon Real Estate Mortgage.com offers numerous first time home buyer programs. These programs include HFA, which offers lower interest rates; MCC, which features reduced taxes; and CHB, which offers lower down payments. Contact us if you would like information on any of these programs or wish to participate. More Oregon First Time Home Buyer Information.

Oregon Real Estate

• Portland Oregon
  
• Springfield Oregon
  
• Eugene Oregon
  
• Salem Oregon
  
• Redmond Oregon
  
• Milwalkie Oregon
  
• Bend Oregon
  
• Oregon City Oregon
  
• Gresham Oregon
  
• Burns Oregon