Our mission is to serve, communicate and educate our customers with honesty, integrity, quality service and competence. Affordable Terms Mortgage Licensed loan officers have a combined 20 years experience in the mortgage lending industry and Oregon specific properties. Our goal is to provide Affordable home loans to clients while providing a clear understanding of the loan process by offering the lowest interest rates available through our partnered relationship with the leading lender in the country.
Each loan is structured to the individual clients needs. ATM pledges to help borrowers overcome roadblocks that can arise while securing a mortgage. Our goal: to provide excellent communications and educate the client through the process of obtaining a mortgage. Credit is NOT PULLED until you are 100% committed to applying for a loan. We are an OREGON BASED, two generation family owned and operated company located in Lake Oswego, Oregon.
Loans are processed and registered with the lender within within 24 hours - in house!
Each loan is structured to the individual clients needs. ATM pledges to help borrowers overcome roadblocks that can arise while securing a mortgage. Our goal: to provide excellent communications and educate the client through the process of obtaining a mortgage. Credit is NOT PULLED until you are 100% committed to applying for a loan. We are an OREGON BASED, two generation family owned and operated company located in Lake Oswego, Oregon.
Loans are processed and registered with the lender within within 24 hours - in house!
Services
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Affordable Terms Mortgage LLC strives to ensure that its services are accessible to people with disabilities.
Affordable Terms Mortgage LLC has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Thank you for your cooperation.
Affordable Terms Mortgage LLC strives to ensure that its services are accessible to people with disabilities.
Affordable Terms Mortgage LLC has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
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.
Affordable Terms Mortgage LLC strives to ensure that its services are accessible to people with disabilities.
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.
Affordable Terms Mortgage LLC strives to ensure that its services are accessible to people with disabilities.
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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