Lisa Lavier
Your Local Mortgage Lender
In Oregon
Personalized Mortgage Experience
Lisa is a dedicated mortgage broker who believes in the power of home ownership to transform families! She has been in the mortgage industry since 2013 where she started as a loan processor. That background helps her as she originates loans, working to make the loan process as stress-free for her clients as she can. She loves helping her clients navigate the mortgage landscape to find the best product for their unique situation.
Lisa Lavier - NMLS #1103371
Victory Home Loans NMLS #2156810
LisaLavier@VictoryHomeLoans.net
503-260-5201
Mortgage Programs
Experience the best mortgage experience located in 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.
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Book some time with Lisa
TESTIMONIALS
What others are saying
"Lisa was amazing throughout the whole experience!"
"My wife and I just bought our first home! Lisa was amazing throughout the whole experience, making a complicated situation much more manageable. We truly appreciate her expertise and guidance on the loan process and could not recommend her enough!" - Steven B
"I cannot recommend Lisa highly enough!"
"I cannot recommend Lisa highly enough! She answered my many questions, even the silly ones. She was quick to communicate with and kept things moving along. She kept us well informed as to where we were in the process, what was going on and what needed to be done next. Lisa will be my first call when the time comes to move again."
- Brittney B
"Lisa worked SO incredibly hard"
"We just went through a highly unique home buying process that took 5 months from start to finish. Naturally there were many unexpected surprises along the way. Lisa worked SO incredibly hard to make sure the financing went smoothly. She was always available when we had questions, and she was a great advocate for us in the process. We truly had the best team for buying our dream home!! Thanks Lisa!!" - Rebecca S
"This was my first home purchase and Lisa made it so easy!"
"Lisa was professional and informative and extremely helpful through the entire process. This was was my first home purchase and she made it so easy for me!" - Noah L
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.
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