Mortgage Broker in Beaverton, OR

Serving Homebuyers in Beaverton

I’m Matt Jolivette (NMLS #90661). For a Beaverton purchase or refinance, I’ll review your goals, financial documents and property details to compare eligible loan programs. Keep cash to close, the full housing payment and long-term borrowing cost in view.

What Buying a Home in Beaverton Is Really Like

Condominium financing includes both borrower and project review. Obtain association budgets, insurance, dues, assessments and any required project documents before assuming a building is eligible.

For an older or updated home, review inspections, permits and appraisal conditions. Needed repairs depend on the specific property and loan program, not the neighborhood name.

For a duplex or home with an ADU, confirm permitted use and how the lender treats rental income. Leases, appraisal-supported rents and other records may be required; not all projected income is usable.

Compare the proposed mortgage amount with the current county and unit-count conforming limit. Jumbo credit, reserves, equity and appraisal requirements vary by lender.

Preapproval remains conditional. Confirm the property, underwriting requirements and closing schedule, and keep documents current rather than relying on an unconditional approval claim.

How I Help Beaverton Buyers and Homeowners

For a first purchase, compare cash to close and monthly obligations. Gifts and assistance require approved sources and documentation; condominium budgets also need HOA charges and any assessments.

If you are selling one home while buying another, disclose expected proceeds, payoff amounts, contingencies and overlapping mortgage obligations. Compare the actual financing choices and risks.

For self-employed or commission income, gather requested returns, statements and business records. Bank-statement programs apply lender-specific deposit and expense analysis, not a blanket documentation waiver.

For multi-unit or accessory-unit properties, review occupancy, legal use and the lender’s rental-income methodology. Investment and owner-occupied financing have different requirements.

For refinancing, compare the current loan with the proposed balance, fees, term and total interest. Use the Beaverton mortgage calculator for estimates, then review written lender terms.

Neighborhoods I Serve in Beaverton

• Sexton Mountain — Compare the loan amount, property eligibility and required reserves.
• Highland — Review condition, permits and any appraisal-required repairs.
• Five Oaks / Triple Creek — For condos and townhomes, review association documents and project eligibility.
• South Beaverton — Budget for maintenance, actual taxes, insurance and any proposed improvements.
• Cooper Mountain — Review construction status, appraised value and lender requirements.
• Vose — Verify unit count, permitted use and rental-income documentation.
• Bethany (nearby) — Confirm the actual jurisdiction, property costs and conditional preapproval requirements.
• Denney Whitford / Raleigh West — Review updates, permit records and required repair documentation.
• Central Beaverton — Include association costs and project review when considering a condominium.

Programs Available to Beaverton Buyers

Conventional, FHA and VA programs have different down payment, credit, occupancy and property requirements. Include insurance, fees, closing costs and reserves when comparing eligible choices.

Federal VA and Oregon ODVA are separate programs. ODVA is purchase-only with down payment, conforming-limit and mortgage-insurance rules. Seller-funded temporary buydowns subsidize early payments without changing the note rate.

Review actual written terms and current eligibility. Assistance, seller credits and final approval are not guaranteed; compare total cost rather than only the smallest initial payment.

Talk to Someone Who Knows Beaverton

I’m Matt Jolivette (NMLS #90661). Bring your goals and property information to a conversation so we can review financing options and the documents needed for lender consideration.

Frequently Asked Questions