Mortgage and Lending	RAINER 2,085
	Thomas Dunstan
	location_on Beaverton, OR — The Dunstan Group
	insert_link http://www.dunstangroup.com
	web Thomas Dunstan's (thomasdunstan) Blog

Visit My Website at: http://www.dunstangroup.com/ Thomas Dunstan - I was raised in Kirkland, Washington but now reside in the Portland area in Oregon. I am passionate about helping others achieve their goals and am living a dream I have had for many years working along-side my wife who is also a mortgage consultant. I enjoy spending free time with my family, working out, riding motorcycles and doing any kind of project which gives me an excuse to use my tools.

 

What clients are saying about Thomas Dunstan

 

“We spoke with several people before choosing and we went with your company because of Mr. Dunstan’s professional, friendly and thorough presence.” Steve & Velma L. - Washington  “Thomas is top notch! Thomas was in contact every step of the way.” Erin B. – Oregon  “I’m very pleased with Thomas Dunstan’s outstanding service. Thank you!” Alfred C. – Nevada  “Thomas was great – would recommend to others.” Jack B. – Washington  “Thank you! You helped make our dream come true.” Jesse & Sharon K. - Washington

 

"Mortgage Financing at it's Best"Call us at (888) 244-1601

  Customers First Creating Clients for Life is our goal, striving for excellence at all times to earn your business. We pride ourselves in offering the highest level of customer service and ensuring the loan process is as simple and worry-free as possible. Whether you need to refinance for a lower mortgage rate, purchase a new home or investment property, consolidate debts or receive cash at closing, we are here to assist you. By making your needs and financial goals the priority we assure you a pleasurable transaction. Thomas Dunstan Tami Dunstan Get fast answers

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

Putting Customers First

We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers.

Lower Mortgage Costs Through Cutting-edge Mortgage Origination Technology

Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available. In a rush? We welcome you to try our mortgage calculators! The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms.

Highest Quality Mortgage Services

From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We'll keep you informed every step of the way. We're committed to building rewarding, long-term customer relationships. With that in mind, you'll receive the highest quality mortgage services.

Meeting Every Challenge

We rapidly respond to new opportunities made available in today's dynamic mortgage markets. As a result, the requirements of our mortgage customers are consistently met through mortgage underwriting flexibility and delivery of unique mortgage programs. We often identify niche mortgage programs that are essential to satisfying individual mortgage customer needs.

Recent Posts

Which loan is right for me?

Years you plan to stay in the homeRecommended program1-3 years3/1 ARM, 1 year ARM or 6 month ARM3-5 years5/1 ARM5-7 years7/1 ARM7-10 years10/1 ARM, 30 year fixed or 15 year fixed10+ years30 year fixed or 15 year fixed
Loan ProgramAdvantagesDisadvantagesFixed Rate Mortgages 30 year fixed 15 year fixed Monthly payments are fixed over the life of the loan Interest rate does not change Protected if rates go up Can refinance if rates go down Higher interest rate Higher mortgage payments Rate does not drop if interest rates improve Loan ProgramAdvantagesDisadvantagesAdjustable Rate Mortgages (ARM) 10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM 1 year ARM 6 month ARM 1 month ARM Lower initial monthly payment Rates and payments may go down if rates improve May qualify for higher loan amounts 30 year term, no balloon payment More risk Payments may change over time Potential for higher payments if rates increase Loan ProgramAdvantagesDisadvantagesBalloon Mortgages 7 year 5 year Lower initial monthly payment Lower payment for a predetermined period of time Many balloon mortgages offer the option to convert to a new loan after the initial term Risk of rates being higher at the end of the initial fixed period Risk of foreclosure if you cannot make balloon payment, refinance, or exercise the conversion option Balloon payment requires you to sell or refinance after the term, as opposed to a 7/1 or 5/1 program with a 30 year term Loan ProgramAdvantagesDisadvantagesFirst Time Buyer ProgramsLower down payment Easier to qualify Lower rates may be available May be subject to income and property value limitations Some government subsidized programs may generate a recapture tax if you sell the house too soon Education courses may be required to qualify for these loans Loan ProgramAdvantagesDisadvantagesStated Income ProgramsDon't need to verify income Faster approval Good for borrowers who may not qualify with a full income documentation program Higher rates Higher down payment Loan ProgramAdvantagesDisadvantagesInterest Only ProgramsYou have several payment options Lower monthly payments Qualify for a higher loan amount Qualify at the interest only payment Option to pay the full normal payment Interest only payments for up to ten years Higher rates Principal loan balance will not decrease during the interest only payment period Payment will be higher for the remaining term Loan ProgramAdvantagesDisadvantagesNo point, No fee ProgramsNo out-of-pocket loan costs at closing Closing costs are paid from the lender rebate Less money required to close Refinance without increasing your loan amount Higher rates Higher payments Some lenders may have a short payoff penalty which is usually charged to the loan broker, but may be passed on to you Some require a prepayment penalty for the first one to five years Loan ProgramAdvantagesDisadvantagesImperfect Credit ProgramsPotential for reestablishing credit if you pay your mortgage on time When used for debt consolidation, you may be able to reduce your monthly debt payment Higher rates Terms may not be as favorable Harder to get long-term fixed loans Loans may have prepayment penalties Loan ProgramAdvantagesDisadvantagesHome Equity Line of CreditYou only borrow what you need Pay interest only on what you borrow Flexible access to funds Interest may be tax deductible May be free of closing costs A good source for an emergency fund, if set up in advance Can be used for debt consolidation and lower payments Rates are usually lower than consumer loan or credit card rates Rates can change. The maximum interest rate can be relatively high Payments can change Harder to refinance your first mortgage Loan ProgramAdvantagesDisadvantagesHome Equity Fixed LoanFixed payments Interest may be tax deductible Get cash out for any purpose Higher interest rates compared to first mortgage Harder to refinance your first mortgage Interest is paid on the entire loan amount, compared to an equity line of credit

In addition to our standard loan programs, you may benefit by obtaining one of our many special programs:

Purchase your home with no down payment using Private Mortgage Insurance (PMI) or Lender-paid Mortgage Insurance (MI). Piggyback loans: 80-10-10 or 80-15-5. Avoid PMI payments by using Lender-paid MI. Debt consolidation programs. Home Improvement loans. You may qualify even if you've been turned down before!

format_quote

From mortgage processing and underwriting, to loan closing and funding, our expert service will efficiently expedite your entire transaction. You'll receive the highest quality mortgage services here.