Home › Oregon › Troutdale › Mortgage Lenders › Laura Cortes, Mortgage Loan Officer at OnPoint Mortgage - NMLS #1095228
Apply Today

Laura Cortes, Mortgage Loan Officer at OnPoint Mortgage - NMLS #1095228

be the first one to review!

(971)369-6025verified

2457 SW Cherry Park Rd
Troutdale OR, 97060

Sunclosed
Mon9:00 am-5:30 pm
Tue9:00 am-5:30 pm
Wed9:00 am-5:30 pm
Thu9:00 am-5:30 pm
Fri9:00 am-6:00 pm
Sat9:00 am-1:00 pm

2457 SW Cherry Park Rd, Troutdale OR, 97060
(971)369-6025

(503)358-6026

(800)527-3932
OnPointCU
Instagram Page
Mortgage Lenders

Looking For Mortgage Lenders?

About Laura Cortes, Mortgage Loan Officer at OnPoint Mortgage - NMLS #1095228

Mortgage Loan Officer NMLS #1010862 Purchasing a home is one of the most important and rewarding decisions anyone can make. It is an honor to be a trusted source of information for my borrowers, assisting them in their journey toward homeownership. I highly value building long-term relationships with my clients, and I now consider many as friends. I love interacting with people from all walks of life, understanding their unique needs, and helping them achieve their dream of homeownership. I am dedicated to providing personalized guidance and support throughout the lending process, ensuring my clients feel informed, empowered, and confident in their decisions. Whether you�re a first-time homebuyer or an experienced homeowner, I am here to assist you at any stage of your homeownership journey. Getting pre-approved before shopping for a home is essential to fully grasp the process, explore different loan options, and ensure that you are comfortable with the associated costs. With my experience in mortgage lending since 2014, I can help you understand each step to purchasing your first home, including budgeting, credit building, and real estate investment. I prioritize constant communication, working closely with clients, realtors, and the escrow team to ensure a smooth and successful experience. My commitment is to understand your goals and provide all the information you need to find the mortgage solution that best fits your needs.

Products Carried:
15 year fixed rate
30 year fixed rate
30 year jumbo fixed rate
5/5 ARM
5/5 jumbo ARM
Cash-out refinance
Homeroom
Just for Starters
Mortgage purchases and refinancing


Laura Cortes, Mortgage Loan Officer at OnPoint Mortgage - NMLS #1095228, mortgage lender, listed under "Mortgage Lenders" category, is located at 2457 SW Cherry Park Rd Troutdale OR, 97060 and can be reached by 9713696025 phone number. Laura Cortes, Mortgage Loan Officer at OnPoint Mortgage - NMLS #1095228 has currently no reviews.

Browse all Mortgage Lenders in Troutdale OR. Discover census data for Troutdale, OR.

Map To This Location

2,005.84 mi away  4 hours and 36 minutes by plane

Frequently Asked Questions about Laura Cortes, Mortgage Loan Officer at OnPoint Mortgage - NMLS #1095228

Laura Cortes, Mortgage Loan Officer at OnPoint Mortgage - NMLS #1095228 is closed on Sunday.
Laura Cortes, Mortgage Loan Officer at OnPoint Mortgage - NMLS #1095228 is open Mon-Thu 9:00 AM-5:30 PM, Fri 9:00 AM-6:00 PM, Sat 9:00 AM-1:00 PM.
Discount points are considered a form of interest. Each point is equal to one percent of the loan amount. You pay them, up front, at your loan closing in exchange for a lower interest rate over the life of your loan. This means more money will be required at closing, however, you will have lower monthly payments over the term of your loan.To determine whether it makes sense for you to pay discount points, you should compare the cost of the discount points to the monthly payments savings created by the lower interest rate. Divide the total cost of the discount points by the savings in each monthly payment. This calculation provides the number of payments you'll make before you actually begin to save money by paying discount points. If the number of months it will take to recoup the discount points is longer than you plan on having this mortgage, you should consider the loan program option that doesn't require discount points to be paid.
Closing costs on a mortgage or home equity line of credit generally include title insurance, flood certification and an appraisal.
Yes, OnPoint offers FHA loans to qualifying borrowers, as well as VA loans to eligible veterans and Active Duty personnel. For more information, visit an OnPoint Mortgage Loan Officer at your nearest branch, or call us at 503.273.1755 or 800.527.3932, ext. 5220.
To access your mortgage information in Digital Banking, log in and select your mortgage account from the home screen. Here you will see all of your recent mortgage payments and transactions. For more details, click the "Details" tab and select the Payment Options and Loan Info link.
Talking to your lender first can save you the time and frustration of finding a house that you can't afford. By speaking to a lender early in your home buying process, you can find out what you can afford in a house and get prequalified and preapproved. Your lender can also help answer questions about the steps you can take to improve credit or increase savings in order to be better prepared for home ownership.
When applying for a first mortgage, you'll need to provide original copies of the following items. You will need:Most recent pay stubs for the past 30 days with year-to-date total.W-2's for the past 2 years (for all jobs held in the last 2 years).All pages of bank statements for all asset accounts for the last 2 months. If your accounts are with OnPoint we will gather this information for you.Most recent award letter(s) and last 2 years' 1099s for retirement income such as social security, IRA accounts or pensionsDriver's license or other acceptable government-issued identification. If applicable, the Permanent Resident card is required.Home insurance declaration page(s) with agent name and annual premium.Most recent 2 year's federal tax returns including all forms and schedules including both personal, and business returns if applicable.Most recent monthly statement(s) for mortgages or home equity lines from all residential properties currently owned.If you claim rental income current lease/rental agreements signed by you and tenants.If purchasing,fully signed sales agreement with all addenda, counteroffers, earnest money receipt and proof earnest money cleared your account.If current residence is pending sale or recently sold, provide a sales agreementor Final HUD-1 Settlement Statement documenting the sale terms.If applicable, copies of bankruptcy discharge, divorce decree or support orders.If you have any questions about the documents you'll need to bring to your mortgage appointment, please contact us at 503.273.1755 or toll-free at 800.527.3932 ext. 5220.
Prequalification is a rough calculation of the mortgage payment you can afford based on the information you provide to your Mortgage Loan Officer.Preapproval means you're essentially ready to start shopping for a house as you have formally applied for the mortgage, and we've determined that you are eligible for a mortgage of a certain amount.

Laura Cortes, Mortgage Loan Officer at OnPoint Mortgage - NMLS #1095228 - Troutdale, OR 97060 - (971)369-6025 | ShowMeLocal.com show 1 0

Copyright © 2006-2024 SHOWMELOCAL Inc. - All Rights Reserved. | Made in NYC
SHOWMELOCAL®.com is Your Yellow Pages and Local Business Directory Network
SHOWMELOCAL® is a registered trademark of ShowMeLocal Inc.




Top