Why use Steve Emory at Pacific Sunset Mortgage ?
You want great personal service with top notch communication? To understand what you're doing, and why? To know you're getting a good loan/rate for your situation? You want help navigating the complex options, needs and documents to get a mortgage loan? To work with someone with long term expertise that has the best chance to solve problems that come up? Than you should choose me to help you with your mortgage.
Pacific Sunset Mortgage is a high service level boutique true mortgage broker company. My multiple national wholesale lender partners I work with, pay me for placing loans with them. In a way, I'm like their loan officer locally. I get the same percentage compensation no matter what loan I do. I get the same from every lender I use, the same no matter what rate you get, the same no matter if you pay points or not, the same if you go Conventional or FHA or VA or USDA (Reverses pay differently). My incentive is to find you a good loan for your situation from my lenders, comparing their rates/points/programs for you, as I get the same compensation from them no matter what loan I do.
How my rates compare. A quick story. I shop for many products at Costco. I know I will get a good price there. Not the “best” price necessarily, but a very good price and a high quality product. With enough looking you can find most items sold at Costco cheaper somewhere else. But not with Costco's backing nor ease of purchase. I know I got a good deal without being cheated. Similarly, I never say I have the “best rate”. I have very competitive rates, and usually beat the local banks/credit unions and national mortgage banks local offices and online. But I am not the absolute cheapest. Spend enough time searching and calling, you may beat my rates. If you choose this other lender, you won't benefit from my help and advice which is invaluable many times. Knowing I shop multiple lenders, and benefiting from my experience when the loan is in process, is why buyers choose me.
We are a True Mortgage Broker !
I make a BIG difference for you over mortgage banks, retail banks, credit unions and internet lenders. I compare, therefore are very competitive on rates for you, and have many options.
Independent mortgage brokers have had a significant positive impact on the lending industry. Today, the use of a professional mortgage broker is one of the key strategies used by sophisticated borrowers.
What is a Mortgage Broker ?
A mortgage broker is an independent real-estate financing professional who specializes in the origination of residential mortgage loans. We are a local lender that works with multiple national lenders/investors and can compare their rates, terms and programs for you. By combining professional expertise with direct access to a multitude of loan products, your mortgage broker provides the most efficient way to obtain financing tailored to your specific financial goals.
What Do Mortgage Brokers Do ?
In the volatile home-lending market, mortgage brokers can serve as safeguards, offering their clients security, safety, and peace of mind. One of the broker's most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. A professional mortgage broker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options while providing personal service at high levels.
Mortgage Brokers Handle the Details !
There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a mortgage broker to act as a liaison between the title and escrow company, real estate agent, lender, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may affect your transaction.
A mortgage broker also:
- Discusses and explains financing program options
- Informs you, in writing, of lock-in options
- Explains all documents of the loan application
- Explains all associated costs of the loan application
- Explains the disbursement of all loan applications
- Explains the loan process, from application to closing
- Communicates with you throughout the loan process in a timely manner
- Coordinates the final closing of your transaction
HOW WE WORK
Steve has built a strong reputation serving the lending needs of individual homebuyers throughout the state. In 30+ years, Steve's never lost a loan he said would close. Local real estate professionals, builders, attorneys and other financial professionals trust Steve, and refer their clients to him. Most of Steve's current clients are referrals from past clients and repeat business. Steve chaired the Ethics Committee of the Oregon Association of Mortgage Professionals from 1999-2003 and has originated residential mortgages since 1989. First Time Buyers love Steve’s explanations of options and virtual ‘Mortgage 101’ educational style of the process. Most of his clients have excellent credit, and get rates that reflect their status. Steve is a country home expert and has closed many loans with Farm Use zoning on small acreage with outbuildings, wells and septic when other lenders have said ‘no’. If you want a residential mortgage, you are at the right place.
You can read reviews on our Facebook page: Emory Team, Associates at Pacific Sunset Mortgage . Please 'Like' our page while you're there. We also have many reviews on Google.
We are a full service true mortgage brokerage firm with an experienced staff offering expertise in many areas of residential mortgage lending...from Purchase to Refinance, from Construction Lending to Reverse Mortgages, from Country Homes to High-Rise Condos, from Single Family to 2-4 units, from Manufactured Homes on Land to Townhomes, from Primary Residence to Investment/Second homes.
We have access to a full range of mortgage sources, and are dedicated to finding the right loan option to meet your unique needs. But that's just the beginning of our service. We know the questions to ask at the start, and proactively work out issues before they become a problem. While many ads say how easy mortgages are, you know they are complex today. We make it as easy as possible while educating both first time buyers and forever buyers on strategies to save $$. Throughout the lending process, we make you feel secure with solid answers to your questions and provide clear communication with regular loan updates and progress reports so you always know the status of your loan.
We believe nothing replaces old fashioned ‘one-on-one’ service with a local lender, with an office you can walk in to. In today’s busy world though, many need to get things going electronically while on the go. Others are in remote parts of the state and it is difficult to come in to the office. It's our pleasure to offer exceptional mortgage services online and using state of the art technology. You can even apply for your loan, at your convenience, online - 24 hours a day. We offer eSign for the initial paperwork and a secure server to upload your personal documents safely. We have a tool we share with all our mortgage clients that compares multiple loan programs, rates – costs – payments, on your smartphone, tablet, computer or all of them.
Reverse Mortgage additional information
(A) At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to the person and the person may need to sell or transfer the property to repay the proceeds of the reverse mortgage from the proceeds of the sale or transfer or the person must otherwise repay the reverse mortgage with interest from the person’s other assets. (B) The lender will charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which the lender will add to the balance of the reverse mortgage loan. (C) The balance of the reverse mortgage loan grows over time and the lender charges interest on the outstanding loan balance. (D) The person retains title to the property that is the subject of the reverse mortgage until the person sells or transfers the property and is therefore responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may subject the property to a tax lien or other encumbrance or to possible foreclosure. (E) Interest on a reverse mortgage is not deductible from the person’s income tax return until the person repays all or part of the reverse mortgage loan.
Pacific Sunset Mortgage, LLC. NMLS #1086349 ML-5769. Steve Emory Sr Loan Officer NMLS #45523. I am authorized to conduct business in Oregon and Washington States. 15455 NW Greenbrier Pkwy Suite 100, Beaverton, OR 97006. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify and Not all applicants will qualify. Equal Housing Lender. All opinions expressed by Steve Emory, on this website, on his Facebook pages, are Steve's opinions and do not reflect the opinions of Pacific Sunset Mortgage, LLC. You should not treat any opinion expressed by Steve as a specific inducement to take a particular mortgage or follow a particular strategy, but only as an expression of his opinion. You must make an independent decision regarding mortgages or strategies mentioned on his website. Before acting on information on this website, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial counselor. http://www.nmlsconsumeraccess.org/entitydetails.aspx/COMPANY/1806349