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Mortage Terms


  > Interest rate
The amount of interest charged on a monthly loan payment usually expressed as a percentage.
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  > Cash reserves
A cash amount sometimes required to be held in reserve in addition to the down payment and closing costs the amount is determined by the lender.
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  > Deed-in-lieu
To avoid foreclosure ""in lieu"" of foreclosure a deed is given to the lender to fulfill the obligation to repay the debt this process doesnt allow the borrower to remain in the house but helps avoid the costs time and effort associated with foreclosure.
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Did You Know?    
 
 
Many Of These Fees Are Negotiable
A home loan often involves many fees such as loan origination or underwriting fees broker fees and transaction settlement and closing costs. Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan such as application and appraisal fees and others are paid at closing. In some cases you can borrow the money needed to pay these fees but doing so will increase your loan amount and total costs. ""No cost"" loans are sometimes available but they usually involve higher rates.

 

 
   Mortgage Lender Resources
Contact our Oregon Mortgage Lenders


If you live in the following cities and need a mortgage lender you should contact our Oregon mortgage lender as soon as possible:

  • Albany
  • Ashland
  • Beaverton
  • Bend
  • Canby
  • Central Point
  • Clackamas
  • Coos Bay
  • Corvallis
  • Cottage Grove
  • Dallas
  • Eugene
  • Forest Grove
  • Grants Pass
  • Gresham
  • Hermiston
  • Hillsboro
  • Hood River
  • Klamath Falls
  • La Grande
  • Lake Oswego
  • Lebanon
  • Mcminnville
  • Medford
  • Newberg
  • Ontario
  • Oregon City
  • Pendleton
  • Portland
  • Prineville
  • Redmond
  • Roseburg
  • Salem
  • Sherwood
  • Springfield
  • The Dalles
  • Troutdale
  • Tualatin
  • West Linn
  • Wilsonville
  • Woodburn
       
 
Did You Know?    
 
 
Many Of These Fees Are Negotiable
A home loan often involves many fees such as loan origination or underwriting fees broker fees and transaction settlement and closing costs. Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan such as application and appraisal fees and others are paid at closing. In some cases you can borrow the money needed to pay these fees but doing so will increase your loan amount and total costs. ""No cost"" loans are sometimes available but they usually involve higher rates.

 
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Oregon Audio & Video    
 
  Brokers Urge New Scale For Jumbo Mortgages
Audio, RM, 48 Kbps, 2:58:00 AM, 8/19/2005
Reporter Scott Horsley reports on federally sponsored underwriters Fannie Mae and Freddie Mac back mortgages up to $369,000. Without federal underwriting, home buyers pay a higher interest rate.
Source: National Public Radio 		 
 
Oregon External Sites    
 
 

Mortgage Lender License
Click here to continue searching within the Oregon Licenses, ... The mortgage lender license permits a company to act as a mortgage banker, mortgage

 


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The information provided on Mortgage Lenders Oregon.com is not intended to be mortgage advice, but merely conveys general information related to mortgage issues commonly encountered.

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