Welcome to the Loan Center!

Welcome to the Loan Center! Are you looking to buy a home? Here you can use our online tools to learn more about home loans and find the best loan options to suit your goals and needs. You can explore our site without any obligation or disclosure of personal information.

At any point, feel free to e-mail or call us regarding any questions you may have. You can find our contact information HERE. We are here to personally help you through the entire home financing process. When you are ready to get started with the loan process, below is a checklist of items we will need you to gather and bring with you to your appointment.

Checklist of items needed:

Everyone Please:

  • Most recent 2 years of W2’s
  • Pay stubs covering the most recent 30 days
  • Other income statements (Social Security, Pension, Retirement Award Letters)
  • Most recent 2 years of Federal Income Tax returns (with all schedules)
  • All pages of bank statements for checking, savings and retirement accounts for the most recent two months
  • Landlord information for the last 2 years and / or most recent mortgage statement
  • Oregon Driver’s License or State ID

If You’re Refinancing:

  • Current mortgage statement
  • Homeowners insurance policy

If You’re Purchasing:

  • Fully executed purchase agreement, with all addendums and a copy of the earnest money deposit check (front and back)

If You’re Self-Employed:

  • Current profit and loss statement
  • Most recent 2 years of corporate / business tax returns (with all schedules/K1’s)

If You Own Rental Property:

  • All rental / lease agreements
  • Mortgage statements, tax statements and insurance declaration pages on all properties

If You’re Paying or Receiving Child Support or Alimony:

  • Divorce decree
  • 12 months cancelled checks for support received (if used for loan qualification)

Late Payments and Bankruptcy:

  • Explanation letter for bankruptcy or any late payments
  • Copy of complete bankruptcy papers and discharge notice