Disclaimer:The postings on this site are my own and don't necessarily represent the position of Willamette Valley Bank. Purchase Mortgage Expert, have spent 15 years dedicated to taking my clients by the hand through the home buying process. The home process can be scary and intimidating, I am committed to providing a smooth and educational step by step process that my clients can feel confidant that are taken care of. If you are looking to buy your first home or you have bought many homes it is important that you work with a Mortgage Professional that doesn't just have access to the necessary programs for your specific situation but a Mortgage Professional that has experience closing loans efficiently, YTD I have been closing loans from application to close in less than 30 days! Testimonials "Hi Kris, I want to thank you so much for your help with our family getting our first home. This is a dream come true for our family and you were a big part of it. We will be telling everyone about you, thank you. Sarah - Salem, OR My commitment is to earning your referral business and your confidence... As much, if not more than I want to close your loan.I commit to my clients everyday, that my passion is dedicated to the success of their mortgage transaction and the education to ensure there questions are always answered before they ask them. Because of my commitment I have built a business based on referrals, please understand that the foundation of my business is your 100% satisfaction and that I obtain the best mortgage financing available for every one of my clients. No Magic Loans, No Magic Lenders, No Magic Rates and nobody works for free! The truth about Mortgage loans is that the number of direct lenders is dwindling, a number of lenders have gone out of business over the last 5 years. Lenders and Brokers have access to the exact same loans. The difference between lenders comes down to the service they provide and how much or how little they are willing to work for. Lenders can be compensated in a number of ways. Regardless of how they are compensated ultimately the borrower is the one that is compensating the Loan Officer. The Higher the rate the less money you will need to compensate the loan officer. The lower the rate the more money you will need to compensate the loan officer. Nobody works for free! My Commitment To You: I will do everything possible to get you the best mortgage financing in the market. I will educate you every step of the way so you can make a confidant educated decision about the financing for your new home. The Best Part Of My Job: Everyday I wake up and can smile, that is what is important. I believe everyone should be able to say that about what they do for a living, it would make the world such a great place. I am able to build lifelong relationships with my clients and many new friends. I am thankful for being a loan officer and for everyone of my new clients.