mortgages: When Banks Fail, What Does it Mean to My Mortgage? - 08/19/08 10:42 PM
Last month, the fallout from the mortgage crisis took a rather unusual turn. For the first time in 20 years, several US banks went belly-up, most notably IndyMac Bank, the second largest financial institution to fail in US history, and one of the largest mortgage lenders in the country. Suddenly, IndyMac's … (0 comments)

mortgages: Planning Your Mortgage and Seeking Pre-Approval - 06/28/08 08:35 PM
Seek Pre-ApprovalWhat's the difference between pre-qualification and pre-approval?Pre-qualification is the starting point in your search for mortgage financing. A quick snapshot is taken which includes income, existing debt, savings, length of employment, etc. All of these factors will then be analyzed to determine your loan eligibility.Pre-approval is written documentation that shows … (0 comments)

mortgages: FHA is Back and Better Than Ever - 06/13/08 12:21 AM
Federal Housing Administration (FHA) loans have become an extremely popular choice recently for Americans looking to buy a new home, or refinance an existing home. In fact, according to the FHA, the total volume of FHA loans has reportedly tripled in the last year alone - but why?In recent years, the … (2 comments)

mortgages: How Much Money Should You Borrow? - 05/27/08 10:56 PM
While it might be tempting to borrow whatever amount of money your lender is willing to give you, it's important to think carefully about how much you'll actually need to borrow in order to purchase a new home. From the down payment to taxes to insurance and interest rates, there are … (0 comments)

mortgages: Avoid Changes to Your Financial Profile during the Loan Process - 05/18/08 06:36 PM
Once your loan package has been sent to the lender, there are a number of things you should avoid doing that will change your financial picture. Remember, the lender is looking for stability and consistency. If you want the best interest rate, keep that in mind. Here are a few things … (0 comments)

 
Loan Officer: Jose Delgado (Siuslaw Bank)
Jose Delgado
Eugene, OR
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Siuslaw Bank

Office Phone: (541) 683-2400
Cell Phone: (541) 968-5648
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