HomeMortgage Lender In Portland, Oregon

Portland, Oregon

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Mortgage Broker Lenders Portland, Oregon

Want to get the best rate from a mortgage lender in Oregon? Here’s what to do

Looking around for the best mortgage brokers in Portland, Oregon is the key to finding the best mortgage product. While searching for a mortgage lender, you first need to have a clear idea about certain things like your bank, your credit union, and the options of online lenders available.

Compare rates, loan terms, down payment requirements, real estate insurance, closing costs, and other fees on each offer. Once you have done your research and have shortlisted the top mortgage companies in Portland, here’s what you need to do to get the best rate for your mortgage.

Boost your credit score in Step 1

Take a look at your finances before you apply for a mortgage, and fix them if necessary. Examine your credit score and credit report.

Your credit score tells lenders you can be trusted to pay your debts on time, so they are more comfortable doing business with you and are willing to offer you favourable rates.

Along with solid credit, lenders will look at your debt-to-income ratio to make sure you can handle your current debts and a new mortgage payment. A percentage is calculated by adding your monthly debts and dividing them by your gross monthly income. When you choose trusted lenders in Portland, Oregon and rely on PierPoint Mortgage, we do the complex work for you so that you don’t have to wonder about credit requirements and all other stuff. We will help you with all and any questions you may have about credit requirements for any loan.

Next, proceed to step 2. Set a budget

Knowing how much house you can afford is key to finding the right mortgage. If you want to apply for a reverse mortgage, this is very crucial. If you ask us, taking out a mortgage that maxes out your budget and leaves no wiggle room for unexpected expenses can be a bad move financially. But be assured, we are called the most trusted and the expert trusted mortgage lenders for a reason, we help you make the right decision.

Preapprovals are based on your gross income, outstanding loans, and revolving debt. However, they do not incorporate other monthly expenses, such as utilities, gas, day-care, insurance, or groceries, into their calculations.

Taking into account these expenses as well as your other financial goals can help you determine what you can afford. You should calculate how much your mortgage payment should be based on your monthly net income.

Here’s a tip from one of the best mortgage companies in Portland- Be conservative about the amount of your monthly mortgage payment, especially for first-time home buyers who may not get their ideal home right away.

Third step: Understand your mortgage options

It is important to know the different types of mortgages to find the best mortgage brokers in Portland, Oregon. By doing some research upfront, you may be able to separate mortgage facts from fiction.

Some mortgage companies in Portland offer conventional loans that require as little as 3 percent down, and others offer government-insured loans that require no down payment or only 3.5 percent down. You should look into FHA loans and USDA loans, and if you are a veteran, you should consider VA loans.

This is the fourth step. Look at multiple lenders’ rates and terms

Choosing the first mortgage lender in Portland, Oregon, you speak with isn’t a good idea. You should compare rates, fees, and terms from different types of lenders to ensure you’re getting the lowest rates, fees, and terms. If you prefer online, text, or in-person communication, you should also find a lender who communicates in the way that suits you.

You can also consider engaging with a mortgage broker. Using a mortgage broker, you can find multiple lenders who are closely matched to your needs by evaluating your application and requesting quotes. Compare your broker’s loan offers with those you found on your own. In order to figure out what your bottom-line costs will be, compare rates, points, fees, mortgage insurance, and down payments.

Still confused? Just contact us and we will offer you the best service and get you approved for a mortgage product at the right rate. Being one of the best mortgage companies in Portland, we know what is best for you and we take pride in doing the right thing for all of our clients.

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    Reviews

    They guided us every step of the way, took care of all the paperwork, and kept us in the loop every step of the way. We highly recommend their home loan service!
    Ann Reed
    Ann Reed
    12:00 02 Dec 21
    I was so dreadful when buying a second property after going through a painful home loan experience. However, PierPoint Mortgage saved the day. I did not have to worry about anything. I am so glad we chose them!
    Helen Woods
    Helen Woods
    07:36 26 Nov 21
    I was truly happy with your help. It means a lot to me that you were able to find and guide me through the best option for my financial situation. I will be sure to recommend you to all of my friends and family members who are also looking for a home loan.
    Kristina Gonzales
    Kristina Gonzales
    09:48 25 Nov 21
    I found a mortgage broker that was able to help me with the loan that I needed. The process of getting a new home is always stressful, but this mortgage broker made it much easier for me to get what I needed.
    Brittany Roberts
    Brittany Roberts
    04:26 25 Nov 21
    The mortgage broker that I decided to work with was able to meet my needs, and I am grateful for their assistance.
    Gerald Bryant
    Gerald Bryant
    13:42 24 Nov 21
    I'd want to express my gratitude to these individuals. This company was recommended to me by a friend, and they were able to offer me with a home loan in the time frame that I needed. They were able to give me an immediate loan, which was quite helpful. Thank you very much!
    Marilyn Harris
    Marilyn Harris
    13:13 23 Nov 21
    You will honestly never get the same level of service anywhere else. I just feel that the staff are fantastic, the mortgage brokers were so credible and ethical and I have had nothing but great dealings with you on the whole. Thank you!
    Fred Rose
    Fred Rose
    06:44 03 Nov 21
    I had a great experience with this company. I was in need of a home loan, and the service I received from these mortgage brokers was outstanding. It was fast, professional, and cheaper than other companies that I have used in the past.
    Frances Payne
    Frances Payne
    04:39 28 Oct 21
    We just completed the refinancing of our home. The experience was great. Keeping us up to date with any updates was great. Would absolutely recommend them.
    Richard Zavala
    Richard Zavala
    12:14 21 Oct 21
    I had a very easy and smooth experience with my loan. The mortgage broker I used for my home purchase was easy to communicate with. It has been a pleasure working with you.
    Rosa Cooley
    Rosa Cooley
    06:05 28 Sep 21
    This agency was awesome to work with. I received the best loan service and was allowed to take out a conventional loan. These guys are great! I highly recommend them!
    Robert T. Bailey
    Robert T. Bailey
    10:33 16 Sep 21
    They provided excellent service to me! The FHA loan paperwork was completed with their help. A very affordable interest rate is one of the best things about this company. You guys did a great job!
    Holly Gomez
    Holly Gomez
    11:20 30 Aug 21
    It's great to work with them. They secured me a USDA loan efficiently and professionally. They were kind and understanding as well as very understanding.
    Annette Reynolds
    Annette Reynolds
    09:05 28 Aug 21
    My loan application was approved by these Mortgage lenders. They also assisted with the paperwork required for the loan. Thanks a ton!
    Gina Wells
    Gina Wells
    11:46 18 Aug 21
    This mortgage leader is professional and communicative and always available to assist when needed. They get the job done when they say they will and close on time.
    Sylvia Gomez
    Sylvia Gomez
    11:38 11 Aug 21
    My home loan application process was explained completely to me by the company. As a result of their prompt follow-up and assistance, I was able to apply and receive a loan quickly. The experience was great, despite the difficult circumstances.
    Hannah Hill
    Hannah Hill
    06:22 05 Aug 21
    Customer service at its finest! Special thanks to these mortgage brokers who guided and assisted me in determining which option was best for me. Excellent value and customer service✌
    Margaret Dunn
    Margaret Dunn
    07:00 29 Jul 21
    My interest rate was the most competitive here, and the loan process was easy. My favorite mortgage brokers!!!
    Cameron Sasha
    Cameron Sasha
    09:33 21 Jul 21
    They helped me obtain a loan at very reasonable interest rates. Out of my experience, I can say that you can rely on these local mortgage brokers for your home loan needs without hesitation.
    Hill Adrian
    Hill Adrian
    05:09 17 Jul 21
    So easy to deal with prompt friendly service great team. They made the conventional loan process and simple. Awesome team! I’ll use them again
    Medina Lacy
    Medina Lacy
    18:37 12 Jul 21
    Great service!! I absolutely love them!! Customers can always count on them to be kind and accommodating when life happens! I usually talk to them personally, but the whole staff is great. It was a pleasure to work with you all to secure the FHA loan.
    Adaline Catarina
    Adaline Catarina
    17:29 07 Jul 21
    Absolutely brilliant service, friendly staff and so helpful in getting me the loan. Explained everything so I knew what I'm taking. I would recommend them to everyone!!
    Karlee Kamden
    Karlee Kamden
    17:24 28 Jun 21
    The team at this loan company handled every detail with ease. They respond to emails and texts very quickly. A very smart and capable person who handled all the details. I had one of the smoothest transactions I've ever experienced. It was never a face-to-face meeting. I was impressed with their trustworthiness. You should definitely try them or recommend them to others!
    Odom Kennedy
    Odom Kennedy
    21:16 24 Jun 21
    My wife and I had been planning on buying a house in Portland. A good company to lend us money for our house was something we were looking for. On the internet, I found PierPoint Mortgage, and I think they're a very reputable company. We appreciated how quickly they addressed each concern and offered us the best options. The conventional loan they helped me secure was a blessing. You guys are awesome! Thanks a lot!
    Kolina Lolita
    Kolina Lolita
    21:00 17 Jun 21
    Edwin Michael
    Edwin Michael
    05:50 29 May 21
    The PierPoint Mortgage seemed like the easiest option when I was looking around to get a mortgage. I can't say whether I was just lucky or whether all the guys there are so great but the person who I was dealing with was amazing.
    David McComb
    David McComb
    08:17 19 May 21
    Highly recommend PierPoint Mortgage. Very professional and uncomplicated. I felt very well advised throughout and received a financing offer that was perfect for me.
    Bernice Lokken
    Bernice Lokken
    21:22 05 Apr 21
    I would highly recommend PierPoint Mortgage to anyone looking for a mortgage loan.
    Georgiana Lewandowski
    Georgiana Lewandowski
    17:31 01 Apr 21
    PierPoint Mortgage was extremely good at getting my loan processed and approved. I greatly appreciate the efforts put forth by the staff. Thanks for getting it done! 😊
    Shayna Chen
    Shayna Chen
    23:44 24 Mar 21
    I'm extremely grateful for the professional guidance, service, and support I received from PierPoint Mortgage. I highly recommend the services of this company.
    Kenneth Ferrell
    Kenneth Ferrell
    17:42 22 Mar 21
    I and my partner were thinking to get a home loan through PierPoint Mortgage. The staff was extremely knowledgeable and made sure we understood all of this information. They were always available to provide extra details whenever we needed them.
    James Anderson
    James Anderson
    22:16 08 Mar 21
    Great mortgage company. They are quick, effective, and responsive. These people are very knowledgeable and never lets you down, they will give the best advice according to your need. Thanks, PierPoint Mortgage.
    Dana Martin
    Dana Martin
    00:23 19 Feb 21
    PierPoint Mortgage is the best mortgage company around. They help you with sheer concern, and they are always ready for a task. They make things easy for their customers. Highly appreciated services.
    Raymond K. Brown
    Raymond K. Brown
    18:48 18 Feb 21
    Extremely happy with the service, timeliness, and professionalism!!!!!!!!
    Rebecca Collins
    Rebecca Collins
    20:24 15 Feb 21
    The folks at PierPoint Mortgage are really helpful. They helped me in getting the reversed mortgage done because of my health issues. Thank you so much for this wonderful experience.
    Kathleen Morrison
    Kathleen Morrison
    10:36 03 Feb 21
    I wanted a Jumbo loan. PierPoint Mortgage helped me to their fullest extent in getting me the loan. Thank you, lads, I am grateful to you.
    Roy Johnson
    Roy Johnson
    07:37 27 Jan 21
    Kudos! I am extremely glad I contacted PierPoint Mortgage for the VA loan. This team was simply outstanding. I loved working with them because they were helpful and understanding. I highly recommend this mortgage company.
    Nadene Daughtry
    Nadene Daughtry
    07:02 13 Jan 21
    A big thanks to PierPoint Mortgage for so much help. I am glad that I hired them. It was so easy for me to get a home loan with these people. I will definitely recommend this company to all. I had an amazing experience.
    Gavin Parr
    Gavin Parr
    05:36 30 Oct 20
    After having a brief bad credit history, I had lost hope of ever getting a mortgage approval but it took me only a meeting with these guys to feel hopeful again and I filed for it and there it was, with the seal of approval. I do not know how these guys manage to handle something that can be so complicated but I am very thankful and full of gratitude that they do and it is only because of them that today, I am living in my new and my forever dream house.
    Legros Dorian
    Legros Dorian
    10:26 13 Oct 20
    The way they handle all the mortgage cases is something that has impressed me over a period of time and I can say this from personal experience that they are the best indeed.
    Colin Rivera
    Colin Rivera
    13:22 25 Aug 20
    They are just the most amazing people that you will find to be there for you. They are the best in the mortgage industry.
    Mervin Dolly
    Mervin Dolly
    11:26 24 Aug 20
    They are a great mortgage company that knows how to handle both the worst and the best mortgage cases and there is no stone that they will not turn to get what you want. I have benefited immensely from their services and therefore, would recommend them to others so that they also get to have the services of the best mortgage firm in the area.
    Kenneth Burke
    Kenneth Burke
    12:15 05 Aug 20
    I have never seen anyone so proficient in handling different types of mortgages and you can trust one thing that no matter how murky your case can be, they will surely be able to manage it in the best manner possible.
    Olivia Graham
    Olivia Graham
    10:19 31 Jul 20
    This company has all my respect. They proved to be the best and I am surely going to recommend their mortgage service to all my friends.
    Arthur Canter
    Arthur Canter
    12:50 17 Jul 20
    PierPoint Mortgage is name which was suggested to me by a friend of mine. My personal experience with them was as great as his. I will recommend their services to others gladly.
    Simon Wright
    Simon Wright
    20:17 15 Jul 20
    There cannot be anyone better than them in handling mortgage cases. They are very precise and do all the work accurately.
    Adela Sheldon
    Adela Sheldon
    07:53 10 Jul 20
    My experience with PierPoint Mortgage was the best of my life. Their dealings are so transparent, smooth, and simple that a person like me who absolutely has no knowledge of anything related to the world of brokerage and mortgage did not have any difficulty in understanding the procedures. And in case if I ever had any questions out of curiosity, I was explained with utmost patience till I had the clarity to my satisfaction. I would recommend their services to everyone.
    John Cambridge
    John Cambridge
    12:06 08 Jul 20
    I never imagined that getting a mortgage for a house would be so easy with PierPoint Mortgage. They literally just made everything a cakewalk and with their help, I could place my bid on my favorite piece of residential property. I will always opt for their services in the future.
    Edward Hiller
    Edward Hiller
    08:03 02 Jul 20
    Getting a house is a dream for many and its only because of them that I could get mine. They gave me the best market rate for the mortgage and also further customized it to suit my budget.
    Maritza Fairchild
    Maritza Fairchild
    11:12 01 Jul 20
    I have significantly assisted by Shannon at PierPoint Mortgage throughout the process. Very knowledgeable and understanding. I appreciate his hard work and am happy with my experience.
    Susan Hazel
    Susan Hazel
    12:39 29 Jan 20
    Shannon and his team have come to be as a family to me. They are incredibly competent and efficient in their work as well as having a friendly manner.
    Eve King
    Eve King
    10:17 28 Jan 20
    Shannon and his team were great to work with, always pleasant and patient as they walked me through the process of refinancing my home. I appreciated all of their help and advice, as well as the personal way it was delivered. On top of that, they were just very kind and attentive, which is not the norm anymore. I was thankful someone referred me and will do the same for anyone I know looking to purchase or refinance a home.
    Maya Davis
    Maya Davis
    06:14 28 Jan 20
    Shannon is great about communicating on time and is very knowledgeable of all possible loan options and which suits his clients' needs.
    Danna Reead
    Danna Reead
    07:32 27 Jan 20
    I would definitely recommend working with Shannon. He explained things thoroughly and was always responsive when I called with questions. Even when my loan moved on to processing and I couldn’t get a hold of processor, I reached out to Shannon and he was able to get answers. It was great to work with Shannon.
    Eimen Lothar
    Eimen Lothar
    11:52 23 Jan 20
    PierPoint Mortgage is the best they have awesome rates and the people there provide the best service. I always feel like my business and money are valued here.
    Tracey Marks
    Tracey Marks
    06:01 14 Jan 20
    Excellent service by Shannon and PierPoint Mortgage team. They always were there to answer my questions and always made me feel informed.
    Taisia Antonova
    Taisia Antonova
    11:38 09 Jan 20
    As first-time home buyers everything was new to us and the most important thing, we wanted was someone we could trust. Shannon was there for us every step of the way. I'm glad we chose his services and would recommend Shannon to anyone buying a home.
    Halley Gaul
    Halley Gaul
    06:53 17 Dec 19
    My profession is one of the main reasons why I am into mortgaging and stuff but undoubtedly in my 10 years of career I haven’t met anyone like Shannon. Professional and ardent listener and was quick with his skills and knowledge. If you are going for mortgage, do contact him for the same.
    Kali Spencer
    Kali Spencer
    08:08 09 Dec 19
    Kathline Seng
    Kathline Seng
    07:08 21 Nov 19
    As a first time home buyer I started my application with Shannon (because of the positive reviews on google), He did his best to complete my application on time and I'm really happy not just for the rate that he offered me but also for being honest,supportive and reliable.
    Erik vice
    Erik vice
    10:55 18 Nov 19
    Shannon and his team are very well informed, helpful and all very kind. They take a topic that's not the most interesting, mortgages, and make it interesting. Great value. Go here if you're looking to get your mortgage.
    Emma Frenz
    Emma Frenz
    09:41 18 Nov 19
    I'm the type of person who can get things done you just have to tell me what to do, so I was so grateful when shannon quickly picked up on my style and saidOK this is what you have to do this is how you're gonna do it. just bring me this and that info and I'll take care of the rest!God that made life so much easier when making the biggest financial decision in my life! thanks again shannon, Lindsey, and Terry for all that you do!
    emmanuel ifeanyi
    emmanuel ifeanyi
    09:21 17 Nov 19
    PierPoint Mortgage were responsive and supportive. As first time buyers, we found their advice to be invaluable in helping us navigate through the process of finding a mortgage. Our adviser Shannon was very personable, knowledgeable and empathetic, and was always on hand to answer questions, no matter how small.
    edip gülseren
    edip gülseren
    11:04 14 Nov 19
    My mortgage advisor was Shannon and he was top class! He knows his stuff, he is empathetic to your situation and made the whole transaction as smooth as possible. He kept us up to date on everything. well done team PierPoint Mortgage, would highly recommend!
    Josh Rolland
    Josh Rolland
    13:38 13 Nov 19
    The best thing which I experienced at PierPoint Mortgage was loyalty. And it wasn't possible for me to make my matters resolved without Shannon. Wise and the nicest person with broad thoughts. Splendid job!!!!
    Hortense Kaminski
    Hortense Kaminski
    07:49 06 Nov 19
    I have a very vast and phenomenal experience with Shannon. He is a really experienced person who answered my questions very wisely and recommended me a better and helpful solution regarding my problems.I'd like to highly recommend him and his team to everyone.
    Myrtis Vinci
    Myrtis Vinci
    10:08 05 Nov 19
    Wow! From enquiry to being offered a new mortgage was so speedy. impressed with the excellent service that was afforded. Shannon from PierPoint Mortgage was excellent in every way - he was extremely professional and efficient. He kept us fully informed during the whole process and contacted us as soon as he had any new information as well as returning e-mails and calls right away. I have already recommended friends and family.
    Craig Brown
    Craig Brown
    08:02 28 Oct 19
    thank you to PierPoint Mortgage for getting me my mortgage loan in just a few weeks!
    Ethan Star
    Ethan Star
    20:01 15 Jul 19
    Thank you for helping me refinance my home. My payments are now significantly lower!
    Yolanda Kintzel
    Yolanda Kintzel
    18:16 30 Jan 19
    The team at PierPoint Mortgage went above and beyond to make sure our loan closed on time. They were always there to answer questions, they really are a 5 star mortgage company.
    Aaron Harper
    Aaron Harper
    18:52 28 Jan 19
    Great Mortgage Broker! Totally reliable and trustworthy! I would highly recommend them.
    Peter Olive
    Peter Olive
    18:45 23 Jan 19
    I'm so glad I chose PierPoint Mortgage as my broker. They are very professional and are still there for me even after the loan has closed.
    Kyle Briggs
    Kyle Briggs
    20:35 22 Jan 19
    Thank you to PierPoint Mortgage for helping me buy my first house. They made the process seem effortless. I'm very glad I found them on Google! Thank you to everyone involved in my loan. I'm feeling blessed.
    Henrietta Brown
    Henrietta Brown
    20:28 18 Jan 19
    We just bought our first house and it was all possible because of Shannon at PierPoint Mortgage! He is a wonderful loan officer! He always answered the phone and replied to my emails immediately, he demonstrated "perfect" customer service." So, we just wanted to thank him for all of his hard work.
    Kate Winston
    Kate Winston
    20:45 17 Jan 19
    I am very impressed with the way PierPoint Mortgage does business. They are great to work with and got my home mortgage loan closed within 18 days! I want to thank everyone who worked on my loan and I will be referring you to all of my friends and family.
    Evan Peters
    Evan Peters
    19:20 10 Jan 19

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    Our Portland, Oregon Office

    With 50 years of experience in the industry, PierPoint Mortgage is offering the finest mortgage services. We deal in various mortgage programs that will help you become a proud homeowner.

    Address
    3300 NW 185th Ave,
    Portland, OR 97229
    503-647-2400
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    PierPoint Mortgage, LLC, was founded in 2003 and had been offering brilliant services ever since. It is a nationwide mortgage broker that has over 50 years of mortgage experience.

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