FAQs

Learn More About Home Mortgages in Salem, OR

What kind of financing do you offer? Let’s Talk loans! Looking for financing options that won’t make you want to pull your hair out? Look no further! We’ve got you covered with a variety of loans that are sure to meet your needs.

Purchase – First Time Homebuyer Loans: Are you a first-time homebuyer? Congrats! There are tons of options and special programs available just for you. Let’s chat about what’s out there and find the perfect fit for you.

Purchase – Stepping Up Into Your Next Home: Do you need to sell your current home in order to purchase a new one? Don’t sweat it! Our Step Up Loans are here to help you make that transition as smooth as possible.

Purchase – Investment Property: Are you ready to invest in some property? Whether you’re dreaming of owning a duplex, triplex, 4-plex, or even an apartment complex, we’ve got the financing options to make your dreams a reality.

Refinance Loans: Looking to refinance your home? We’ll work with you to create the perfect custom plan for your needs. Need cash out? No problem! We’ve got a variety of options available to get you where you want to go.

Construction Loans: Are you ready to build your dream home? Our construction loan options give you the freedom to create exactly what you want. Got a fixer-upper? We’ve got you covered there too! Ask us about our rehab loans.

Reverse Mortgages: If you’re looking for a way to supplement your retirement income or simply reduce your monthly expenses, a reverse mortgage might be just the thing for you. Every situation is unique, so let’s chat about your options and find the perfect fit for you!

How do I get started? Apply for a mortgage in Minutes: Securely Online with Our Easy Application Process!

Are you ready to take the first step towards your dream home? Well, guess what? You can apply for a mortgage right now, without even leaving your couch! Just hit that shiny “Apply Now” button and voila, you’re on your way. Once you’ve filled out the online application, I’ll be able to peek into your financial history (don’t worry, I won’t judge) and figure out what kind of mortgage would be best for you. And, if you’re feeling extra organized, you can even upload your income documents and other necessary paperwork right into our secure portal. It’s like magic!

But wait, it gets better. Our pre-approval process is lightning-fast. Seriously, you’ll be amazed at how quickly we can get things moving. So what are you waiting for? Let’s get this show on the road and start making your dream home a reality!

How to take the first step towards getting pre-approved?
You can apply for a mortgage right now, without even leaving your couch! Just hit the “Apply Now” button and you’re on your way. Once you’ve filled out the online application, Jennifer will dive into your financial history (don’t worry, she won’t judge) and figure out what kind of mortgage would be best for your current situation. And, if you’re feeling extra organized, you can upload your income documents and other necessary paperwork right into our secure portal.

But wait, it gets better. Our pre-approval process is lightning fast. Seriously, you’ll be amazed at how quickly Jennifer and her team can get things moving.
What is a Mortgage Broker? (How a Mortgage Broker Can Help You Save Money)
Picture this: you’re shopping for a mortgage and suddenly you’re surrounded by a sea of lenders. Some are big, some are small, some are wearing bow ties, and some are wearing sandals with socks. It’s like a bizarre game of mortgage roulette. But fear not! Jennifer is here to guide you through the madness. With access to the most competitive programs and rates.

At Strategic Mortgage Group, we don’t have any of those pesky middlemen to slow us down. That means you save big bucks and get to keep your hard-earned cash for more important things. Jennifer has been in this industry for over 29 years, and has worked for retail banks, correspondent mortgage companies, and small lenders, and nothing compares to being a mortgage broker.
Can you close purchase loans on time?
With Jennifer's expertise, and her team, she can make it happen in 20-30 days or less. She has amazing processes and resources to get things done on time.
Are mortgage brokers licensed?
Yes. Mortgage brokers are required to have a license in the State of Oregon and in addition, take continuing education courses every year to keep that license in tip-top shape.
Do you work with local Realtors?
Absolutely! Jennifer is all about top-notch service, and that includes working closely with Realtors every day. Communication is key!
What's the best way to get pre-approved?
Click the Apply Now button, or simply reach out to Jennifer directly. Prefer to text instead of calling? Go right ahead. Jennifer will respond the same day. If you prefer to email, her inbox is always open, and you can expect a response typically within a few hours, and never longer than 24 hours.
What are Points?
Discount points are a lending term for - a way to lower your mortgage interest rate. Think of it like a trade-off: you pay a little extra upfront, and you get a lower rate and save big bucks in the long run. It's important to understand discount points are optional. You don’t have to pay them if you don’t want to. But if you’re aiming for that dream rate, a discount point can be your secret weapon. And here’s another tip: consult your tax preparer to see if you can deduct the cost of discount points from your taxes. Depending on your situation, it may or may not be an additional bonus.