Gebert & Associates, Inc. specializes in locating competitive mortgage programs for financing the purchase of new homes, and for refinancing residential borrowers in Oregon and Montana.

The interest rates we offer are extremely competitive. We work with a diverse variety of lenders and have numerous loan programs to fit your financing needs. Rather than try to give detail on each mortgage option, we are providing a sampling of the current rates, and will update this weekly, or when the market makes a major adjustment. Give us a call to discuss your situation and find out what the rates are doing on the mortgage product that is right for you.

All rates given are "Par" which means we are charging no "points" to get a lower rate. (The term "points" refers to a fee paid at closing that is a percentage of the loan amount. For example: 1 point on a $100,000 loan equals a fee of $1,000). It is always possible to pay 1, 2 or more points to lower your rate. We can help you do the math to see if this makes sense for you to do.

For todays current rates click here.
CURRENT RATES

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MORTGAGE PRODUCTS

At Gebert & Associates we have access to many wholesale mortgage bankers. We will get you the best financing available and we don't expect you to fit into a certain mold to do it.

Below you will find a list of the most commonly used programs.

• 1st Mortgage Programs
• 2nd Mortgage Programs

1st Mortgage Programs - Purchase & Refinance

• 30 Yr. Fixed Rate
• 15 Yr. Fixed Rate
• 1 Yr. Adjustable Rate
• 3 Yr. Adjustable Rate
• 5 Yr. Adjustable Rate
• 15 Yr. Jumbo ( "Jumbo" most commonly refers to loans over $227,500 )
• 30 Yr. Jumbo
• 15 Yr. VA
• 30 Yr. VA
• 7/23 BALLOON
• 5/25 BALLOON
• Up to 100% LTV purchases ( LTV refers to Loan to Value Percentage )
• Up to 90% LTV with no income verification
• Up to 70% LTV with no income or asset verification
• Up to 90% LTV purchase of rental properties
• Jumbo loans up to $10,000,000
• Loans for "credit challenged"
• Up to 80% LTV with no ratio qualification
• No restrictions because of total properties already financed
• Interest rate locks up to 270 days
• Community home buyer programs
• 126% LTV on purchase transactions
• Non-Owner occupied with no income verification
• 85% LTV with minimal income documentation
• Loans for manufactured homes.

2nd Mortgage Situations

• 125% LTV fixed rates and equity lines
• No appraisal or limited appraisal programs

There is no obligation nor cost to inquire, no up front application fees and it only takes a short time to show you how I can benefit your financial mortgage situation. Take a moment to fill out our brief on-line application and I will call you to discuss your situation. A fully completed loan application can often produce a loan commitment within 24 hours of receipt.

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Home	Company Profile and Testimonials
Why use a Broker and Who's Who	Mortgage Calculator
Mortgage Application	Rate & Cost Quotes
Debt Master Program	Links

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Bookmark our business page and check back often as it is updated regularly with valuable information, helpful links on real estate, and soon to be added a lighter side for stress relief.

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SMILE

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E-mail for your free, no obligation pre qualification.
For a limited time only, our processing fee will be waived for on-line applicants. This is a savings of over $300 dollars to you !

Click to E-mail

It's also Easy To Apply By Phone:
Just call us at
503-598-8083
Fax 503-598-0904
Toll Free 1-888-598-8083

Gebert & Associates Inc.
5 Centerpointe Drive, Suite 100
Lake Oswego, OR 97223

Copyright 1997 Gebert & Associates, Inc.

Equal Housing Opportunity

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