As an independent mortgage broker, we are not limited to one bank's rate sheet. We compare programs and pricing from multiple lenders and explain the differences clearly so you can make a confident choice.
Purchase Loan Options We Offer
- Conventional loans for buyers with solid credit, with down payment options below 20% using private mortgage insurance.
- FHA loans with flexible credit guidelines and low down payment options.
- VA loans for eligible veterans, service members and surviving spouses, often with no down payment.
- Jumbo loans for higher-priced homes above conforming loan limits.
- Programs for first-time buyers, including guidance on down payment assistance where available.
Why a Strong Pre-Approval Matters in Portland
In competitive neighborhoods, sellers and their agents want to know your financing is solid. A pre-approval based on a real review of your credit, income and assets carries far more weight than a quick online pre-qualification. We aim to deliver pre-approvals quickly so you can make an offer when the right home appears, and we stay reachable so your agent can confirm your financing when it counts.
We also help you understand the full cost of buying: down payment, closing costs, property taxes, homeowners insurance and any mortgage insurance. Our mortgage calculator and buydown calculator let you test scenarios before you talk with us.
Rate, Points and Lender Credits
Your interest rate is not the only number that matters. Paying discount points can lower your rate, while lender credits can reduce your cash to close in exchange for a slightly higher rate. Temporary buydowns, sometimes paid by a seller, can lower payments in the first years. We lay these options side by side so you can choose based on how long you expect to keep the home and the loan.
How Working With Do Good Mortgage Works
Do Good Mortgage is a mortgage broker based in NE Portland. Instead of offering a single bank's products, a broker can compare loan options from multiple wholesale lenders and help you choose the one that fits. You work with one point of contact from your first question through closing.
- Strategy call. We talk through your goals, timeline, income, and savings. No pressure, and no application required to ask questions.
- Review and pre-approval. With your permission we review credit, income and assets, then explain your options in plain language, including estimated payment and cash to close.
- Compare options. We shop lenders and loan programs and show you the trade-offs between rate, points, and lender credits.
- Underwriting to closing. We gather documents, coordinate with your agent, escrow and the lender, and keep you updated so there are no surprises.
After your loan closes, Do Good Mortgage makes a donation to a local nonprofit, part of our belief in mixing good business with good deeds.
Frequently Asked Questions
How much do I need for a down payment?
It depends on the loan program. Some conventional and FHA loans allow low down payments, and eligible VA borrowers may put nothing down. We will show you the options for your situation and what each means for your monthly payment.
How long does pre-approval take?
Once we have your documents, pre-approval can often be completed quickly. Common documents include recent pay stubs, W-2s or tax returns, and bank statements.
Is a mortgage broker more expensive than a bank?
Not necessarily. Brokers are paid by the lender or the borrower under disclosed terms, and because we compare multiple lenders we can often find competitive pricing. All costs appear on your Loan Estimate so you can compare.
Do you lend outside Portland?
Yes. Clint Elliott is licensed in Oregon and Washington, so we help buyers throughout both states, including the Portland metro and Vancouver, WA.
Talk With Clint About Your Loan
Every situation is different, and the right loan depends on your income, credit, savings and goals. Call or text 503-505-9913, or book a free strategy call. Ready to start? Begin your application online.
Do Good Mortgage
5980 NE 37th Ave, Portland, OR 97211
Meetings by appointment · 503-505-9913
Clint Elliott, NMLS #239388 · Licensed in OR and WA