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I have worked with Mark since 1983 and enthusiastically recommend him to my real estate clients. Every client receives outstanding, individualized service. Mark works tirelessly to secure the best mortgage solution for his clients and is often able to fund transactions that no other loan company could do! |
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—Denise Allen, Realtor/Broker.
more testimonials >
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Which loan program is right for you?
Whatever your situation may be, we have a loan program just for you.* Whether
it's a loan to purchase a home, lower your current monthly payments, pay your
bills, or improve your credit, we've got it.
*some qualifications do apply.
| Fixed to Adjustable Programs |
| ADVANTAGES |
DISADVANTAGES |
| • |
2 and 3 year fixed rate mortgages provide the
security and a relatively low fixed interest rate. After the first 2 or 3
years the loan will convert to an adjustable loan in order to obtain a full 30 year fixed loan |
| • |
Allows a borrower 2 to 3 Years to improve their credit |
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Loan will convert to an ARM after the fixed
period and payments can increase as rates rise |
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| 2 Year Fixed(then ADJ), 3 Year Fixed(then ADJ) |
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| Adjustable Rate Programs |
| ADVANTAGES |
DISADVANTAGES |
| • |
Lower initial monthly payment |
| • |
Lower payment over a shorter period of time |
| • |
Rates and payments may go down if rates improve |
| • |
May qualify for higher loan amounts |
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Payments may change over time |
| • |
Potential for higher payments if rates go up |
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| 10/1 ARM, 7/1 ARM, 3/1 ARM, 1 Year ARM, 6 Month
ARM, 2/28 2 Year Fixed; 28 Year ARM, 1 month ARM |
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| No Point No Fee Programs |
| ADVANTAGES |
DISADVANTAGES |
| • |
No closing costs |
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Less money required to close |
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Higher rates |
| • |
Higher down payments |
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| No/Stated Income/Asset Programs |
| ADVANTAGES |
DISADVANTAGES |
| • |
No tax returns or W2's |
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No proof of assets or down payment |
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No verification of income |
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Fast approval |
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Higher rates |
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Higher down payments |
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DeMark Financial Services - Site Map
Portland Oregon Home Mortgage Loan Rates - We are the mortgage lender in Portland, Oregon of choice. After 25 years of experience as a home mortgage lender in Oregon, and 1000?s of satisfied clients from Portland and all over Oregon; we know you will find that Oregon?s Best Mortgage gives the most options in mortgage loans and mortgage rates.
Mortgage Refinancing in Oregon - We are the best Oregon mortgage refinancing company you will find. Whether you want to get a low mortgage rate, get cash for home improvements, college education or consolidating debts, we are your local oregon mortgage refinance specialists and have the perfect low rate loan for you.
Mortgage and lending information for home equity loans.
Mortgage, lending, and credit information.
Learn how credit scoring works and how you can improve your credit score.
Financial, mortgage and lending calculators.
Check for up to date rates and loan programs.
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Interest only loan programs and information.
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Testimonials - Testimonials of a few express the experience of many satisfied mortgage loan borrowers with their mortgage broker, Oregons Best Mortgage
OUR BLOG - WWW.OREGONHOMEMORTGAGEBLOG.COM - The best, current mortgage information for Oregon homebuyers, mortgage refinance, low rates and fees.
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