We are your Pacific Northwest and Hawaii home loan experts dedicated to providing our clients with competitive interest rates and the best loan options available. Newland Mortgage is an independent, locally owned Mortgage Broker licensed in Oregon, Washington, and Hawaii. As an independent broker, we shop the best wholesale lenders for the most competitive rates and programs available.
We offer Conventional Conforming, Jumbo, Government FHA and VA, First Time Homebuyer, and Portfolio loans. We search wholesale lenders to best meet your financial needs. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.
We offer Conventional Conforming, Jumbo, Government FHA and VA, First Time Homebuyer, and Portfolio loans. We search wholesale lenders to best meet your financial needs. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.
Services
A large selection of loan options, extremely competitive interest rates, low closing costs, great customer service, transparency in everything we do - that's what sets us apart from other mortgage companies!
Whether you need a loan for a new home or are looking to refinance the home loan you have now, we can find the mortgage that's right for you.
And we can do it quickly - fast closings are one of the hallmarks of our exceptional customer service.
We're a locally owned, independent mortgage company, with access to a variety of loans.
Whether you need a loan for a new home or are looking to refinance the home loan you have now, we can find the mortgage that's right for you.
And we can do it quickly - fast closings are one of the hallmarks of our exceptional customer service.
We're a locally owned, independent mortgage company, with access to a variety of loans.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
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