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NMLS #70358
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VA Purchase - VA Refinance - Zero Down VA Loans - VA Streamline - VA Disability - VA Real Estate
Portland, Oregon VA Home Loan Team - Since 1999 (Veteran Owned And Locally Operated)
- Portland Oregon VA Home Loan Experts! 0$ Down VA Home Loan to $417,000
- VA Service connected disability as low as 10% saves thousands
- VA Eligibility can be used more than once
- VA Streamline your existing VA Home Loan to a lower interest rate
- Refinance and cash out your present home and receive 90% of it's present value with a VA Loan
- VA Loans, the seller can pay all of your closing costs
- Veterans can do a VA Loan 2 years after a bankruptcy
We Have Helped
- U.S. Army
- U.S. Navy
- U.S. Air Force
- U.S. Marine Corps
- U.S. Coast Guard
- Army National Guard
- Navy Reserve
- U.S.M.C. Reserve
- Army Reserve
- Air Force Reserve
- Coast Guard Reserve
- VA Loans have no mortgage insurance
- VA Home Loans work for Reserve and National Guard components with 6 full years of service
Call now to let us help you get a VA Home Loan! Gresham OR VA Home Loans Clackamas Oregon, Oregon City Or, Milwaukie Oregon VA Home loans, Portland Or VA Loan
Why Wait? Call Your VA Home Loan Experts Today! 503.445.1038
800.920.5420 Office hrs: 7am - 6 pm Mon - Fri Weekend & Evenings 503.789.8341 Find out about all the great VA Home Benefits you have earned! Portland, OR Veteran Home Loans, Clackamas Oregon VA Home Lending, Wilsonville Or, Canby VA Home Loans
  
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VOW To Hire Hero’s Act
December 19th, 2011
Congress has passed, and the president has signed into law the VOW To Hire Hero’s Act of 2011. Included in the law is the Veterans Retraining Assistance Program (VRAP) for unemployed veterans. This new program is set to roll out on July 1st, 2012 and will provide retraining for the veterans hardest hit with the current economic conditions.
The VRAP is offering 12 months of training assistance to unemployed veterans and limited to 45,000 participants during fiscal year 2012 and to 54,000 participants from October 1, 2012 through March 31, 2014. Participants may receive up to 12 months of assistance at the full time payment rate under the Montgomery GI Bill – active duty program.
Participants must be enrolled in a VA approved program of education offered by a community college or technical school. To see the rules, regulations and guidelines for this Act please go to the US Department of Veterans Affairs or the Department of Labor.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Portland’s Real Estate Market
October 4th, 2011
In the Portland Metro Area, we have been overwhelmed with VA IRRRLs or Streamline refinances. There have been many refinances done in the Portland area to lower mortgage payments. The VA streamlines are found to be easier if you are at certain banks which are able to provide those loans. Some examples are Wells Fargo, Flagstar, MetLife, GMAC and Freedom. If you are dealing with the banks, no appraisal will be required. We have done a large amount of these the past few weeks. We will continue to do this as long as the rates stay within an all time low.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
The Greenwald Team email
October 1st, 2011
One benefit of adding an email for the team is that everyone in the team gets the message and it will help the overall flow of communication in the office. The new email name is: TheGreenwaldTeam@Creeksidem.com which will enable distribution to everyone. Employees associated with title companies, real estate agents, and borrowers can use this email, and this way everyone will get the message and it will be dispersed properly. Ultimately it would prevent tasks from being delayed so the response will happen instantaneously.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Subordinating your second mortgage
September 1st, 2011
Our volume of IRRRLs (Interest Rate Reduction Refinance loans) for VA continues to increase due to market conditions. Last year it was impossible to do subordinations, in which a client kept their second mortgage as it is, while trying to refinance the first. In a subordination agreement, the second loan is not paid off but, the lender who holds the second mortgage agrees to keep your loan intact and remain in second lien position on your house. Getting a subordination allows you to refinance your first mortgage to lower your interest rate. We have had certain situations where people dropped their first rate but still have the second.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
Homeless veterans to get additional housing
August 11th, 2011
Space on Vancouver’s Veterans Affairs campus has been picked as a location to build housing for homeless veterans. The 1.35 acre parking lot will be used to expand housing for veterans in need. The project, providing it follow the timeline of previous projects, should break ground in the next 12-18 months pending an executed lease and financing for the development and it could include permanent or transitional housing for up to 24 months. The veterans may also have the option of a rehabilitative program or be able to support veterans with families.
Spokane is the only other VA site that has been slated for the Building Utilization Review and Repurposing Initiative in the state of Washington. The VA and Department of Housing and Urban Development estimate that there are almost 2,000 homeless veterans just the state of Washington.
Michael Frakes
NMLS#71539
www.valoanspecialist.com
Creekside Mortgage
360-571-5626
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Creekside Mortgage New VA Logo “NW #1 VA Home Loan Experts”
July 18th, 2011
We changed our logo representing the fact that we are the number NW #1 VA Home Loan Experts. We really want to change our motto towards that, due to the fact that 90% of what we do now is just VA in Washington, Oregon, and Idaho. We can do all types of loan options, but VA seems to be the major factor of what Creekside Mortgage has been doing. The majority of employees that work at Creekside Mortgage are prior service, or either had parents in the service or family members who are Veterans. Our pride in continuing to specialize in VA will definitely be something we carry into the future.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
Chelsey Howard the New Member of the Greenwald Team
July 15th, 2011
We have a new team member today on The Greenwald Team to help facilitate VA transactions and make the process smoother. Jenn Stanford and I will continue to do more of the front-end production and setting the files up. Chelsey Howard will do more of the coordinating, making sure appraisals are ordered, and help overall with closing transactions quicker. Our main focus is to stand by our advertised 25-day close, which is almost twice as fast as anyone in the industry on a VA transaction. This makes the consumer Veteran happy, the banks happy, the title company happy, and the real estate agents happy. We welcome Chelsey Howard to the team and look forward to many years together!
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
Dodd-Frank Bill and the Mortgage Industry 3 Months in
July 1st, 2011
It has now been over three months since the Dodd Frank Bill was enacted, affecting the mortgage industry as a whole. The take on it from industry professionals is that it has made business much, much more difficult due to requirements to meet the regulations. Many more man-hours are required just to comply with them. Now that we have seen the full effect of the bill,it is clear it has affected two groups and two groups only-individual loan officers who facilitate the transactions, and the consumers themselves. From what we have noticed, interest rates about a quarter different in the negative, with a higher rate for the burrower. The loan officer is making about 15-20% less. The companies and banks that the bill targeted have not felt the effect—the expenses just been passed to the consumer.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
QR Codes in Advertising in Portland OR
June 19th, 2011
We have started using QR codes in most of our VA advertising I the Portland OR metro area. QR codes are pretty amazing. The smart phone has the capability to go directly to a webpage instead of requiring the user to type in the URL to get to a web destination. I look forward to continuing to use QR codes to make the process smoother.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
Stranger Tides Pirate Contest
May 19th, 2011
Here at Creekside we are having a competition to see what team can get the most new people to “like” our Facebook page. The winners get a free lunch, half day off paid and movie passes to see the new Pirates of The Caribbean movie that comes out this weekend.
Please help us to be the top winning team so we can enjoy the bounty and not have to watch another team commission what is rightfully ours! If you are already a fan…thank you!!
Do it for Captain Jack!! Thank You in advance!!
Elisa Cotton / NMLS#86692
Assistant to Michael Frakes
NMLS#71539
Creekside Mortgage
360-571-5626 x 115
360-326-1672 Fax
Like us on Facebook!!
Article Archive Page 2
Testimonials
"Our exerience with Creekside Mortgage was awesome! As a first-time home buyer, I was apprehensive at first because I had heard horror stories about funding not going through on home purchases. But from the time we found our house with Steve Granmo, to the time our loan funded, everything went smoothly. You had all the answers we needed.
"We specifically looked for someone who said they were VA qualified. With Creekside, we didn't have to jump through a lot of hoops-you took care of all the correspondence with the VA. The thing that impressed me the most is that Kerry and the other specialists are ex-military, so they understood, and respected Chris not just as a service member, but me as a military spouse.
"We didn't just call you in March and then move into our house in April. I called Kerry a year prior to this when we couldn't qualify for a loan, and you showed us how to improve our credit score, and now we're in our own home and we're happy with it! You guys knew exactly what we needed, and exactly what we could afford; you made the process worry-free. Thank you so much!"
Chris Duane and Lynette Nelson-Duane, Oregon National Guard, Portland, OR
VA Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
"Kerry, In the simplest terms-Thank you. My wife and I had spent the last 9 months shopping for a home. We started with another broker, referred to us by our agent at the time. While she was well-regarded locally, her experience with VA loans was limited and as such, created challenges above and beyond what I expected.
"When we decided to look for a VA loan specialist, your firm's name came up from several different sources. Being an advocate for Veterans and their families went a long way with us and I am very happy we retained your firm for our home purchase. All of your staff was extremely professional, polite, and easy to work with.
"In my time speaking with you it was clear you had the best interest of your client in mind. Even entering into the rare world of VA financing for purchase of a bank-owned property you moved ahead and helped deliver a great rate and expert advice. I felt engaged, advised, and consulted throughout the process.
"The effort of you and your staff was noticed, and they are appreciated. We wish you many years of continued success."
Fabian and Mary Anna Gordon, U.S. Army, Portland, OR
VA Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
"We just bought a home with Creekside Mortgage and we had the best experience ever. When I needed someone or had a question, and there was no one here, I just called Creekside Mortgage, so I felt real good about it. They worked hard to make everything understandable to us. Our realtor was Steve Granmo with Hasson Company Realtors. He was great at listening to exactly what we needed and helping us to find the right home. We are glad to have worked with two wonderful professionals who know Veterans real estate and home finance!"
Ken and Barbara Huck, U.S. Navy
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
"I want to thank all Creekside Mortgage employees for the EXCELLENT service! It was above and beyond! I will recommend you to anyone looking for your services."
Ray McKee, U.S. Army, Sandy, OR
Loan Specialist: Kerry N. Greenwald, U.S. Army
"We wanted to say thank you for the tremendous work Mike did during our home buying process. He always worked around our schedule, paid close attention to detail, accuracy, and quick-turnaround with any updates or changes. He always explained in detail each form we had to sign, because it seemed like an endless task. When an item needed clarification or further information Mike never hesitated to provide a satifactory explanation. We are so happy with the service he provided, always being prompt and courteous and helping to answer any of our questions. Just great customer service!
Yesenia Linder, Portland, U.S. Army
Loan Specialist: Mike Frakes, U.S. Navy, Retired
"I knew several colleagues who work in real estate, but chose Creekside Mortgage in July of 2009 because of their background helping Veterans and specializing in VA loans. I had a wonderful experience and the service was impeccable! Kerry set up all my paperwork and introduced me to an outstanding realtor. When we found the right house, Kerry's team was quick, professional, and responsive to all my questions and got me through the purchasing process. A year later, Creekside helped me with my refinance. When I had questions, Creekside was immediately available to walk me through the numbers and answer all my questions. Again, the service was great and I got a great rate and will be saving money. Thanks again for all your help. You have been great and will be the first place I recommend!"
James Turner, Tigard, Army National Guard
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
"We are very happy with Creekside Mortgage and their attention to detail when it came to our VA home loan. I received quick responses whenever I had questions about our loan, which was often since this was our first home. I was able to rely on the expertise of my loan officer to properly complete paperwork, analyze our credit report, and help us fix mistakes along the way. They spent a lot of time on our loan, making sure we got the best interest rate and monthly payment to fit our budget. Thank you so much for all of your hlep. We have been enjoying our first home ever since!
Carl and Sarah Rice, Portland, Army National Guard
Loan Specialist: Michael R. Frakes, Retired U.S. Navy
"I just purchased a home with Steve Granmo, and I got my VA home loan through Creekside Mortgage. My loan was tricky with me having to rent my current home to qualify. Other lenders immediately told me it wasn't possible with today's lending standards, but Creekside found a way to make it happen and they even got me a lower interest rate! My wife and I are very happy and grateful to the Creekside team."
Dustin Violette, U.S. Navy, Hillsboro, OR
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
"In April of 2008 my family and I moved to Tigard, Oregon, due to a new career opportunity, and rented a home in an area we thought would be a good place to raise our children. We liked this neighborhood, so we decided to buy a home here. In March 2009 we contacted Creekside Mortgage because they are a reputable mortgage company that works with Veterans.
"Kerry Greenwald put us on the right track to home ownership. One of our obstacles was employmnet history because at that point I had not had 2 full years of employment. Another obstacle was our current debt load. Kerry did a great job at pin pointing exactly how much debt we need to pay to qualify. He counseled us in exactly what we needed to do in order to become homeowners.
"Over the next few months, Kerry and I were in contact. His staff was also very helpful and knowledgeable as well. Everyone in the office really seemed to communicate with each other so no matter who I talked to I was able to get the answers I needed. In March of 2010 I became a homeowner. Kerry and his team let me know exactly what I needed to do to make that happen! I plan on using Creekside Mortgage for all of my mortgage needs in the future and plan to refer other Veterans to them as well."
Garret Burgon, U.S. Army, Portland, OR
Loan Specialist: Kerry N. Greenwald, U.S. Army/USA
"My experience refinancing my home with Creekside Mortgage was great. It was a pleasure working with you all. It was easy, quick, and low hassle. Thank you for all of your help."
Lawrence Black, U.S. Army, Portland, OR
VA Loan Specialist: Kerry N. Greenwald
"I just purchased a home with a VA loan through Creekside Mortgage. Kerry's knowledge in working with veterans is amazing, especially for those who think that perhaps they lost their VA benefits. I was referred to Kerry by my daughter, and I had eligibility that I was not aware of. If it wasn't for Kerry, I would not be in my home today!
I was ready to be an apartment dweller for the rest of my life. I couldn't find anything in my price range, especially because I didn't have a huge monetary amount to put down. Then, I came to Creekside and they helped me get a VA loan, so I didn't have to make a downpayment to get into my home.
This was a very smooth transaction; I'm thrilled. Kerry's assistants and his entire team is on top of it. All of the people at Creekside I've interacted with have just been wonderful and conscientious about how they responded in such an accurate and timely manner. I work in the VA; I have been able to pass Kerry's name on to others!
Connie Gold, U.S. Navy, Gresham, OR
VA Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
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