Your Local Mortgage Lender
Located in Newberg, Oregon
Personalized Mortgage Experience
Lisa Lavier offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Newberg, Oregon.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
What a Buyer Leaning Market Really Means for Homebuyers (Leverage, Not Just Prices)
What a Buyer Leaning Market Really Means for Homebuyers
You have probably heard “buyer’s market” or “buyer leaning” thrown around lately.
But in practice, buyer leaning is not only about home prices. It is about leverage, meaning who has more control during negotiation.
And in many markets right now, leverage is shifting back toward buyers.
The signs you can actually feel as a buyer
1) Homes sit longer
When homes take longer to sell, sellers tend to become more open to negotiation instead of waiting for a perfect offer.
The National Association of Realtors reported the median time on market was 46 days for January 2026, up from the prior month and up from a year earlier.
2) More price reductions show up
A buyer leaning market often includes more listings that start high, then adjust when activity is softer.
Realtor.com analysis also pointed to a growing share of listings with price cuts, including some with multiple price cuts, as buyers regain negotiating power.
3) Concessions and better terms come back
This is the part most people miss.
Even when prices do not crash, buyers can still win by negotiating the total deal:
Repair credits after inspection
Closing cost coverage
Rate buydowns (structured correctly)
Flexible timelines
Cleaner appraisal and inspection language
Realtor.com’s coverage of markets tipping toward buyers specifically encourages buyers to ask for concessions like closing cost contributions or rate buydowns.
What this changes compared to 2021
In 2021, buyers often had to waive protections to compete: appraisal gaps, limited inspections, fast deadlines, and emotional bidding wars.
In a buyer leaning environment, you can slow down and structure a smarter offer. Not because sellers are desperate everywhere, but because competition is not as intense in many areas.
How smart buyers use leverage
Here is a simple playbook:
Negotiate terms first, not just price
Credits and repairs can reduce your cash to close or future out of pocket cost.Bring inspection protections back
You can often keep inspection language and still win the deal, especially on listings that have been sitting.Ask for concessions directly
Closing costs and buydowns are not automatic. You have to ask, and you have to ask early.Stay local market specific
A buyer leaning market can exist nationally, while specific neighborhoods still move fast. Your strategy should match your zip code.
Bottom line
When you hear “buyer leaning,” think less about price drops and more about leverage shifting.
That shift can help you negotiate better terms, reduce risk, and lock in long term value.
Sources (general websites):
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