Mortgage Broker in Wilsonville, OR

Serving Homebuyers in Wilsonville

I’m Matt Jolivette (NMLS #90661). I help buyers and homeowners compare purchase and refinance options for Wilsonville properties. Review your income, credit, savings, existing obligations and the property before choosing a program. I’ll explain documented costs and tradeoffs without guaranteeing approval or savings.

What Buying a Home in Wilsonville Is Really Like

For new construction, review the builder contract, completion schedule, appraisal conditions and final tax and insurance estimates. Builder credits must meet the loan program’s contribution rules.

For a condominium or planned community, obtain association budgets, dues, assessments and insurance documents. Project approval is separate from your financial qualification.

Older or renovated homes may need inspection, permit and repair review. The lender and appraiser evaluate the actual property rather than assuming eligibility from its neighborhood.

For acreage or an unusual property, discuss site use, access, utilities and appraisal requirements. Compare the proposed loan amount with the conforming limit for the actual county and unit count.

Check the property-specific flood determination and insurance quote. Proximity to a river alone does not establish the required coverage or the full premium.

How I Help Wilsonville Buyers and Homeowners

I review financing according to your situation and the lender’s requirements.

• First-time buyers: Compare down payment, closing costs, recurring housing costs and reserves before making an offer.
• Move-up and downsizing buyers: Review sale proceeds, contingencies and overlapping housing obligations with the lender.
• Self-employed or commission income: Provide the requested business, tax and account records; qualifying income depends on program rules.
• Condo and multi-unit buyers: Review project documents, permitted use, occupancy and any eligible rental-income calculation.
• Refinancing: Compare the existing mortgage with the new balance, fees, term, payment and total interest.
• Competing for a property: Keep documents current and confirm a realistic closing schedule; preapproval remains conditional.

Neighborhoods I Serve in Wilsonville

Review the individual property in each area.

• Villebois: Review builder documents, completion timing, HOA rules and the expected property-tax assessment.
• Charbonneau: Review association documents and the exact property’s flood and insurance requirements.
• Old Town Wilsonville: Check condition, permit history and any required repairs.
• Morey’s Landing: Compare the property’s actual costs and loan eligibility with your budget.
• Stafford Area: Review acreage use, well or septic documents and lender appraisal requirements.
• Rivergreen: Verify any access rights and property-specific flood or insurance requirements.
• Canyon Creek: Review construction status, permitted credits and realistic closing timing.
• Surrounding Areas: For nearby Tualatin or West Linn, confirm the actual jurisdiction, county and property requirements.

Programs Available to Wilsonville Buyers

Down payment, insurance and fees vary across conventional, FHA, VA and other eligible purchase programs. Approved gifts and assistance require source documentation and program approval.

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

Compare the full monthly payment, cash to close, reserves and total cost. Use the Oregon mortgage calculator for planning estimates; it does not determine eligibility or provide a loan offer.

Talk to Someone Who Knows Wilsonville

Bring your goals and property information to a conversation. I’ll help you compare eligible programs and the documentation needed for review, with no obligation to apply.

Frequently Asked Questions