Financing
Team VanderZanden
Curt VanderZanden
NMLS # 10184
503.517.8548
John VanderZanden
NMLS # 2064795
503.715.4968
With over 30 years of combined experience in the mortgage lending industry, our goal is to provide exceptional service and loan quality to those we serve.
We help ensure that our clients are confident in their decisions by focusing on three core areas:
AVAILABILITY When you have questions, need a Pre-Approval, want to discuss scenarios, or just want to catch up – we are available and accessible any day of the week.
EXPERTISE As the market continues to evolve, we pride ourselves on remaining at the forefront of industry knowledge and strategy. Our streamlined process allows you to close quickly with zero surprises.
VALUE Your financial goals come first and we'll help you optimize your investment. We work together to identify correct program and loan product to fit the vision that you have for your financial future.
Become a pre-approved home buyer today by CLICKING HERE, it’s fast & easy!
Not a commitment to lock or lend. Terms and conditions apply. Not all applicants will qualify. Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act. Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com. Visit www.nmlsconsumeraccess.org for more information.
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
