Scott Bisson Home Loans NMLS# 1515644

02/22/2023

In talking with folks this week there is still concern about high interest rates and uncertainty as to when they will fall again. The best time to buy a home this entire year, believe it or not, is right now but rates are a problem pricing some folks out entirely. Come spring and summer all of the deals that are happening right now will be gone with roughly two buyers deciding to start shopping for every home that hits the market. With rate fatigue being high on everyone's list I want to take a moment to mention this amazing program.

The 3-2-1 Rate Buydown allows qualifying borrowers to lock their interest rate with huge savings the first three years. Here's an example of how it works. Let's say Mary qualifies for a purchase with a current rate of 7%. With this program her rate in the first year would be 4%. The second year her rate would be 5% and the third year her rate would be 6%. Better yet, this rate buydown didn't cost Mary a dime because she used a seller credit to cover the costs! If you are on the sidelines waiting for rates to drop here's your chance. Take advantage of this amazing program and todays buyer friendly market. You will save thousands and qualify for more in the process! Feel free to message me with any questions 😄

11/07/2019

New Program Alert! For those considering building their next home this program makes the process MUCH easier. Rather than obtaining a land loan and construction loan this program allows you to do it all in one loan saving you lots of money in closing costs by only having to close one time. Minimum of 10% down! If you have any questions please feel free to reach out!

10/15/2019

We are launching a new "First Time Buyer Program" that is a game changer! The chart on the left is your typical FHA loan payment at $320K. The chart on the right is our new program that gifts you 3% for your down payment AND HAS NO MORTGAGE INSURANCE. As you can see the payment is about $500 cheaper for the same purchase. Feel free to message me with any questions 😀

09/24/2019

Of course you need a good agent first! To any of my friends thinking about selling please feel free to reach out. I work with GREAT agents that care about their clients and provide an AMAZING service. I am happy to give some recommendations! And then of course I can help with financing if you plan on buying again in Oregon or Washington 😀.

04/24/2019

Big News! FHA has suspended all down payment assistance programs. Luckily I have a new 4% grant option for conventional loans with discounted mortgage insurance! 3% is used for the down amount and the remaining 1% can be used towards closing costs. This is huge!!! Especially for those that were going to use an FHA grant program and are now out of luck. Please feel free to call or shoot me a message with any questions!

04/12/2019

As a mortgage lender I am constantly asked about inquiries into credit and how they effect scores. Here is a great article about your FICO score and how inquires effect it.

Learn about credit inquiries, when they appear on your credit report, and how these credit checks affect your FICO Scores.

03/01/2019

Congratulations to Alex and Sarah on their new home!!! Thanks for allowing my team and I to assist you!

02/23/2019

Check out this new listing by Lux Properties in Beaverton! The Open House will be tomorrow 2/22 from 12-2pm. Stop by and check it out!

Real estate is more than selling or buying houses. Trust Chase McAnear to help you find just the right community and a perfect place to call home.