Theresa Springer
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Professional Summary
Finding the right home loan - one that allows you to enjoy life rather than worry about interest rates, to large of payments or whether you will be OK if your financial situation changes - is a challenging, confusing and stressful proposition for even the most seasoned home buyer.
Lending in Oregon and Washington for over 20 years, I have been writing residential mortgage loans, construction loans and commercial loans. With a deep experience in construction financing, new home loans and refinancing, I help de-mystify the loan process and educate and advise my clients on their home loan options and budget considerations. When you work with me you'll have the peace of mind that you've secured the best possible residential or construction loan product for your specific needs so you can enjoy living in your new home, not under a mortgage you can't afford.
Working with me, a local Senior Mortgage Banker helps you since I stay with you from the application to the closing and beyond. You are not passed from department to department wondering who is handling your loan and your confidential financial information. I can help you whether you are an employee or own your own company. My background in complex tax packages is a fundamental benefit to those I work with that own one or multiple companies. All loans today are traditionally underwritten and you really must have someone that has the depth of knowledge in underwriting rules and guidelines help you with your home loan.
I keep my clients and all parties of the transaction informed throughout the process, eliminating the stress that waiting for answers can bring.
This is what home ownership should be about – not a numbers game.
Contact Info
Vancouver, WA 98683
or
4550 SW Kruse Way, Suite 275
Lake Oswego, OR 97035 (work)
Theresa Springer posted a blog entry Aug 10, 2011
Mortgage Loan Demand Spikes As Rates Fall To New Low
According to The Mortgage Bankers Association’s Weekly Applications Survey, the average contract interest rate on 30-year fixed-rate mortgages fell to 4.37 percent last week from 4.45 percent the week before. The drop brought rates to their lowest level of the year and sparked a 21.7 percent... more »
Theresa Springer posted a blog entry Aug 9, 2011
Majority Of Americans Say They’ll Buy Their Next Home
Each month, Fannie Mae’s National Housing Survey polls 1,000 Americans to assess their attitudes toward homeownership, household finances, and overall economic confidence. And though confidence in personal finances fell in July, 61 percent of participants said they’d buy their next home... more »
Theresa Springer posted a blog entry Aug 8, 2011
July Housing Scorecard Finds Prices Up, Defaults Down
The U.S. Department of Housing and Urban Development and the U.S. Department of the Treasury’s July Housing Scorecard collects key data on the housing market and the administration’s foreclosure prevention programs. The report shows home prices improving, though under continued strain... more »
Theresa Springer posted a blog entry Aug 5, 2011
Home Prices Rise For Third Straight Month
CoreLogic’s June Home Price Index shows home values climbed 0.7 percent from May, marking the third consecutive month prices have risen. Mark Fleming, CoreLogic’s chief economist, said there has been consistent and sustained seasonal improvement in prices over the last three months but... more »
Theresa Springer posted a blog entry Aug 4, 2011
Shrinking Inventory Bodes Well For Housing Market
Typically, when the number of houses for sale drops, price gains follow. Which is why reports that inventory was at its lowest level in four years at the end of June is a positive indicator for the housing market. In more than 900 metropolitan areas, 2.34 million houses were for sale on... more »
Theresa Springer posted a blog entry Aug 3, 2011
Mortgage Rates Fall, Demand Climbs 7.1 Percent
According to the Mortgage Bankers Association’s Weekly Applications Survey, demand for mortgage loans increased 7.1 percent last week. The Refinance Index rose 7.8 percent, as 30-year fixed-rate mortgages fell to 4.45 percent from 4.57 percent the previous week. Interest rates are at their... more »
