I have been in the mortgage business since 1998 working as a loan officer until opening up my own company Alterna Mortgage in 2004. I chose the name Alterna from the word Alternative. I want my company to be the alternative to big banks and high cost lenders. We have the same rates and terms available to us as any large corporation or bank. Since we do not have the overhead we are able to pass the savings on to our clients.
This means you get a lower rate and lower fees. I intend to keep us small enough to maintain our family atmosphere and outstanding personal service. Our clients are names and not just a number in a big bank. If you are shopping for a home or looking to refinance your current mortgage give us a call at 503-703-4699 or email at Scott@altmo.com and see the difference.
Get fast pre-approvals and ongoing service throughout the home buying or refinance process.
This means you get a lower rate and lower fees. I intend to keep us small enough to maintain our family atmosphere and outstanding personal service. Our clients are names and not just a number in a big bank. If you are shopping for a home or looking to refinance your current mortgage give us a call at 503-703-4699 or email at Scott@altmo.com and see the difference.
Get fast pre-approvals and ongoing service throughout the home buying or refinance process.
Services
A. We look at your income, your debt, and your credit score to make sure you qualify for the loan that best fits you.
A. Sometimes low credit scores are from errors in reporting.
There are still a variety of loans out there but we can give you a plan to build your credit back up if need be.
Also, if the Bankruptcy has been discharged over 4 years it will not count against you.
Some programs are available for a 2 year discharge, but will depend on other factors for approval.
A. Mortgage insurance is when you take out a first mortgage and the loan to value is above 80%.
A. Sometimes low credit scores are from errors in reporting.
There are still a variety of loans out there but we can give you a plan to build your credit back up if need be.
Also, if the Bankruptcy has been discharged over 4 years it will not count against you.
Some programs are available for a 2 year discharge, but will depend on other factors for approval.
A. Mortgage insurance is when you take out a first mortgage and the loan to value is above 80%.
Mortgage Application - Fill out our online mortgage application.
It is on a secure site, but if you feel uneasy please leave certain information blank.
We can fill that out over the phone.
If you would rather complete the application over the phone or in our office, please just call us at 503-703-4699 or email Scott@altmo.com to set up a time.
Get fast pre-approvals and ongoing service throughout the home buying or refinance process.
It is on a secure site, but if you feel uneasy please leave certain information blank.
We can fill that out over the phone.
If you would rather complete the application over the phone or in our office, please just call us at 503-703-4699 or email Scott@altmo.com to set up a time.
Get fast pre-approvals and ongoing service throughout the home buying or refinance process.
Home values are through the roof and rates are still very low.
Higher home values and interest rates as low as they are means you may be able to refinance with some cash out to pay off high interest debt.
You might even be able to reduce your monthly mortgage payment at the same time.
If you don't have high interest credit card debt to pay off, it might be a good time to get a jump start on summer projects around the house.
Maybe it is a good time to consider the family summer vacation you cancelled last year.
Higher home values and interest rates as low as they are means you may be able to refinance with some cash out to pay off high interest debt.
You might even be able to reduce your monthly mortgage payment at the same time.
If you don't have high interest credit card debt to pay off, it might be a good time to get a jump start on summer projects around the house.
Maybe it is a good time to consider the family summer vacation you cancelled last year.
Of course there are still day-to-day fluctuations in the market, but mortgage refinance rates remain at historic lows.
In many cases, homeowners looking to pay off their mortgages sooner may find 10-year rates particularly appealing.
You may want to act quickly, as Fannie Mae and Freddie Mac both forecast rates are likely to rise by the end of the year.
Whether you're interested in saving money on your monthly mortgage payments, or considering a cash-out refinance, take a look at our refinance calculator.
In many cases, homeowners looking to pay off their mortgages sooner may find 10-year rates particularly appealing.
You may want to act quickly, as Fannie Mae and Freddie Mac both forecast rates are likely to rise by the end of the year.
Whether you're interested in saving money on your monthly mortgage payments, or considering a cash-out refinance, take a look at our refinance calculator.
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