Getting started is easier than you think. Whether you are looking to purchase, refinance, consolidate debt, or find a home equity loan we can help. We offer professional help by highly trained staff that will find the right loan for you. We are dedicated to finding the right mortgage that you require as quickly as possible. We look forward to the pleasure of serving you.
The Mortgage Process
Find out what to expect when you apply for a residential mortgage, including the property appraisal, paperwork that is involved, information you’ll need to fill out on your loan application, how your credit report & score impacts your ability to be approved, what the underwriters are looking for, how much of a down payment you’ll need, and what to do if your loan is denied.
Depending upon what loan program you choose, certain documentation will be required to process and underwrite your loan. You’ll need a copy of your bank statements, your investments or trust accounts, a list of your assets, liability information, home information, and other miscellaneous information such as proof of your identity and your employment.
A good credit rating is very important. Lenders and businesses inspect your credit history when they evaluate your applications for a mortgage, other types of credit, insurance, and employment. Based on your credit payment history, they can choose to grant or deny you credit provided you receive fair and equal treatment. If you have a high credit score you may also get a better interest rate on your loan.
Willamette Valley Finance offers several different loan programs for residential purchases, including: Fixed-Rate Mortgages; Adjustable Rate Mortgages; FHA Loans; VA Loans; USDA loans, and more. We’ve provided detailed information and helpful website links for several well-known loan programs available to you in the Lane County/Oregon area. Find out what type of residential loan you qualify for!
You can get started now by filling out our online loan application. This is a good place to start for residential or commercial first-time loans, or for re-financing. Please fill out as much information as possible, and we will help you with the rest. If you don’t have the information for certain sections, just leave it blank. Once you submit your online application, we will start reviewing it and contact you to set up an in-person appointment.