Since opening our doors over 20 years ago, we have been helping Klamath Basin residents step into their first homes, their dream homes, their remodeled homes and their golden age homes. Our commitment to you is to ensure you are well-informed when choosing a mortgage type and to treat you with timely, professional service. We take the mystery out of refinancing.
Whether you're considering a refinance for a better interest rate or to do home improvements, we help you get the best rate possible. We work for you - and your day is already full. We give you the tools necessary to do as much of the process from the convenience of your home. Best best of all, we are here to meet with you in person at any time.
Whether you're considering a refinance for a better interest rate or to do home improvements, we help you get the best rate possible. We work for you - and your day is already full. We give you the tools necessary to do as much of the process from the convenience of your home. Best best of all, we are here to meet with you in person at any time.
Services
We are licensed and regulated financial professionals who bridge the gap between borrowers and lenders.
Our environment is friendly, yet professional.
We anticipate hiccups before they occur and our decades of experience head of issues that keep you from closing on time.
Because we work with so many lenders, what may not work with one, may work with another.
Advantage - you.
We walk you through each step of the process so that you can spend more time focusing on what color cabinets you want in your kitchen.
Our environment is friendly, yet professional.
We anticipate hiccups before they occur and our decades of experience head of issues that keep you from closing on time.
Because we work with so many lenders, what may not work with one, may work with another.
Advantage - you.
We walk you through each step of the process so that you can spend more time focusing on what color cabinets you want in your kitchen.
For those who do not qualify for a conventional loan, an FHA Loan offers backing by the government, which helps more people qualify.
Benefits include a lower down payment and a lower credit score requirement.
There is an income qualification.
If you currently serve or have served in the U.S. military, you may qualify for this loan.
A VA Loan is an earned benefit for all active duty and retired military personnel.
With very competitive pricing and no private mortgage insurance requirements, this option may be a great fit for you.
Benefits include a lower down payment and a lower credit score requirement.
There is an income qualification.
If you currently serve or have served in the U.S. military, you may qualify for this loan.
A VA Loan is an earned benefit for all active duty and retired military personnel.
With very competitive pricing and no private mortgage insurance requirements, this option may be a great fit for you.
An adjustable rate mortgage, known as an ARM, is a mortgage that has a fixed rate of interest for only a set period of time, typically one, three or five years.
During the initial period the interest rate is lower, and after that period it will adjust based on an index.
The rate thereafter will adjust at set intervals.
The amortization of the loan is a schedule on how the loan is intended to be repaid.
For example, a typical amortization schedule for a 15 year loan will include the amount borrowed, interest rate paid and term.
During the initial period the interest rate is lower, and after that period it will adjust based on an index.
The rate thereafter will adjust at set intervals.
The amortization of the loan is a schedule on how the loan is intended to be repaid.
For example, a typical amortization schedule for a 15 year loan will include the amount borrowed, interest rate paid and term.
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