Do Good Mortgage helps veterans, active-duty service members and eligible surviving spouses in Oregon and Washington use their VA benefit to buy or refinance a home.
VA Loan Benefits
- No down payment for eligible borrowers in many cases.
- No monthly mortgage insurance.
- Competitive pricing compared with many other loan types.
- Limits on certain closing costs charged to veterans.
- Reusable benefit — eligibility can often be restored after a VA loan is paid off.
- Refinance options, including the VA Interest Rate Reduction Refinance Loan (IRRRL) and VA cash-out refinance.
Eligibility and Your Certificate of Eligibility
Eligibility is based on service history, duty status and character of service. Your Certificate of Eligibility (COE) confirms your entitlement to lenders. We can typically request your COE for you, so you do not have to track it down yourself.
The VA Funding Fee
Most VA loans include a one-time funding fee that helps support the program. It can be financed into the loan, and borrowers receiving VA disability compensation are generally exempt. We will show the exact fee for your situation on your Loan Estimate.
Making a Competitive Offer with VA
Some sellers worry that VA financing is complicated. A strong, well-documented pre-approval and clear communication with the listing agent help your offer compete. We coordinate with your agent and stay in contact through appraisal and closing.
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
Who is eligible for a VA loan?
Many veterans, active-duty service members, National Guard and Reserve members, and some surviving spouses. We can help confirm your eligibility.
Can I use a VA loan more than once?
Yes. VA entitlement can often be used again, and in some cases you can have more than one VA loan at the same time.
Do VA loans require an appraisal?
Yes, a VA appraisal is required for purchases and confirms the home meets VA minimum property requirements.
Can I buy a condo with a VA loan?
Yes, if the condo project is VA-approved. We can check before you make an offer.
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