How do I find a mortgage refinance without closing cost fees?
Hi, I am a local Mortgage Advisor here in Portland. My office is in Lake Oswego and I can present you with options with and without closing costs. Typically all refinance transactions will have fees to include an appraisal which these days will be placed on a credit card authorization form and not rolled...

At what point of equity can i refinance my fha loan into a conventional?
Hi Mary, you will have PMI on your home loan until you reach the 80% loan to value mark, you need 20% of equity to relinquish that PMI, that is 80% of appraised value. I can refinance you to a conventional loan with LPMI (lender paid mortgage insurance, slightly higher rate, no monthly additional PMI) at...

I served in the Army National guard from continuously from 1972 to 1978 serving 120 consecutive days in active duty for basic and advanced training. Am I eligible to receive a VA loan?
The short and simple answer is yes if you had served for 6 yrs. I am an Oregon lender and fellow Veteran located in the Portland area, please call me at your earliest convenience to discuss 503-207-2181 is my direct line in my office.

should i pay points and fees or not?
Rob - whenever you apply for a mortgage loan there will ALWAYS be fees. These fees include but not limited to: appraisal, title company, processing and underwriting (admin). You will also have prepaids, (taxes and insurance) and if a lender says that they have NO closing costs they will increase your...

Are there lenders that will apraise your property as if your new home was already finished when removing a moble home
I am an Oregon lender, have been doing Oregon home loans for the past 7 yrs, I would love to talk to you about your scenario. Please give me a call at 503-207-2181 or email me at bhurych@pmblending.com I just need to figure out these details and I am sure we can figure something out. Thank you. Brian

how much are lender's fees on a 300K purchase?
Hi there, great question. One I get all the time. There is no standard answer to that question as most lenders have different fees that they charge in general. You can expect to pay anywhere from 1000 to 2000 for lender fees that include processing and underwriting fees (admin). Aside from that with the...

Who does the inspections for FHA?
Hi there, great question. If you are referring to a home purchase and a home inspection prior to getting in the house you may pick your own licensed reputable home inspector. In regards to an appraisal of the home your lender will coordinate that with usually an appraisal management company - they have a...

How much do I need to put down to avoid MI?
Hi Kevin, as stated below you have many options to avoid paying MI, with 0 down or 20% depending on your type of loan and whether or not the sellers will contribute to your closing costs. I am in Portland, Or. and licensed in Washington and have done a lot of loans in Oregon and Washington in regards to home...

Can I refi at 97% LTV
Yes you can!! Please call or email me for options. I am a LOCAL LENDER here in Portland, Or. 503.207.2181 bhurych@pmblending.comThank you.

1515 S Vancouver 99336
Hi, i am a local lender here in Portland. Licensed in Oregon and Washington and i can assist you with the home value of your property. Please call me on my direct line 503.207.2181 or email directly @ bhurych@pmblending.com to discuss. Thank you, Brian.