Sales Mgr. | Sr. Mortgage Banker
NMLS #15361 | Licensed in AZ, CA, CO, FL, ID, NV, OR, TN, TX, WA
300 Oswego Pointe Dr., Ste 220 | Lake Oswego, OR 9703418160 Cottonwood Rd., #274 | Sunriver, OR 97707 Change Lending, LLC dba Change Home Mortgage is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. This is not a commitment to lend or extend credit.
Sales Mgr. | Sr. Mortgage Banker
NMLS #15361 | Licensed in AZ, CA, CO, FL, ID, NV, OR, TN, TX, WA
300 Oswego Pointe Dr., Ste 220 | Lake Oswego, OR 9703418160 Cottonwood Rd., #274 | Sunriver, OR 97707 Change Lending, LLC dba Change Home Mortgage is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. This is not a commitment to lend or extend credit.
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Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend. Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.
Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment). Discount point have varied and can be found on www.freddiemac.com. These mortgage averages are for loans in 1st Lien Position. The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.
BackI have been in the Pacific NW all my life - Growing up on the Oregon coast and eventually relocating to the Portland/Metro area - playing virtually every team sport and continue to be as active as possible whether riding motorcycles, snowmobiling, boating, golfing, hunting and fishing.
I attended Oregon State University where I obtained degrees in Engineering. After graduating, I worked as a consulting / sales / design Engineer for a large world-wide organization. Working as an Engineer was a great experience – especially with clients such as Intel, Precision Castparts and ESCO Steel where my focus was to help reduce energy consumption and maximize ROI.
In 1991, I unexpectedly found my way into Mortgage Banking. Now 32 years later, and licensed in multiple states, I have helped thousands of buyers / borrowers with their home financing needs – whether a primary residence, 2nd home or investment property, my focus has always been to structure the financing whereas we reduce out of pocket expense, minimizing payments and when investment property is involved, to help structure creating Tax Free cash-flow – usually leveraging other assets such that all monies utilized are Tax Free.
I feel very fortunate and blessed to have two amazing daughters – both graduates of OSU – sharing similar interests – with my oldest (27) getting ready to start Medical School – while my youngest (25) is a firefighter/EMT.
My team and I look forward to helping with your financial needs. Feel free to reach out anytime with questions.
You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your mortgage consultant.
Don't Prompt Me Again Ok CancelSales Mgr. | Sr. Mortgage Banker
NMLS #15361 | Licensed in AZ, CA, CO, FL, ID, NV, OR, TN, TX, WA
300 Oswego Pointe Dr., Ste 220 | Lake Oswego, OR 9703418160 Cottonwood Rd., #274 | Sunriver, OR 97707 Change Lending, LLC dba Change Home Mortgage is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. This is not a commitment to lend or extend credit.
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Release: master-6530
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Release: master-6530
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