to Prestige Home Mortgage. Please take your time and look through this website www.prestigefamily.com. This website is updated regularly so please remember to pop by now and again so you can see what's new!
Please allow me to introduce myself...
I am Michael S Torres, General Manger of Prestige Home Mortgage, Bend OR, Branch No: 35. My specialties are home loan financing and credit repair consultation. I help homeowners and homebuyers bridge the gap between what they need and what they want to accomplish with their home loan and I help real estate agents close more transactions by providing sound pre-approvals for their clients, constant communication, and excellent service. I’m looking for homebuyers, homeowners and real estate agents who expect excellent service and a mortgage professional that will deliver on their promises.
Highly experienced in Conventional, Residential, Commercial, New Construction, and Land Aquisition financing. Specialized in FHA, VA, USDA Rural Housing, First Time Home Buyer (FTHB), Credit Repair, and "Fair Isaacs" Credit Simulation programs. With all the various lenders, rates and loan programs out there, you could easily get lost trying to figure out the best option for you and your family. Let an experiences agent do the work so you
don't have to! I implement mortgage planning for my clients. Whatever your financing needs, we have the loan that's right for you.
Purchase
Refinance
First Time Homebuyers
Conventional & Jumbo Programs
FHA, VA Loans
USDA Rural Loans
2nd Home / Investment property
Home Equity Line of Credit (HELOC)
Lot / Land Loans
Construction Loans
Commercial Property Loans
SBA 504 & SBA 7a Loans
Also specializing inLOAN MODIFICATIONS
Please Callif you are looking for Loan Modification information (541) 598-8888... HELP IS FREE!
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FHA STREAMLINE REFINANCE: (FHA to FHA)
You must currently have an FHA loan to do a streamline refinance. It's a simple loan that is very quick and easy to qualify for. Please see the qualifications/ benefits below. If you currently have an FHA loan and are upside down on your mortgage - I can help you!
* NO Employment Verification needed * NO income or asset verification needed * NO credit report pulled - Credit not needed * NO Appraisal Required - LTV is not an issue! * Up to 3 Mortgage Lates in the last 12 months * Lender usually covers all the fees * Quick loan process, usually less than 2 weeks * VA loans may also be eligible for a streamline refi * Call me for more details at 541-598-8888
ARE YOU CURRENTLY...
FACING FORECLOSURE? UPSIDE DOWN ON YOUR HOME? STRUGGLING TO PAY YOUR MORTGAGE?
Call Now - We can help You!
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My CLIENT TESTIMONIALS:
Our experience with Prestige Home Mortgage was great! The loan was approved and processed a lot faster than we expected. Michael was careful to explain the procedures and answer all the questions we had about refinancing our home. It was very convenient and I already recommend him to a few co-workers.
T. Sasseen - Vancouver, WA
We found that Prestige Home Mortgage were very friendly and gave us prompt efficient service. Everything was upfront with no surprises. Michael was a pleasure to deal with; we will gladly recommend this mortgage company to anyone seeking a mortgage.
S. Hill - Eugene, OR
We were in a hurry and needed someone knowledgeable. Thanks to Prestige Home Mortgage our family is home; warm, safe, happy and secure. The lease property we lived in was being foreclosed on and our lease up. We were working with a broker who dropped the ball after 5 weeks, nearly costing us the roof over our heads. Credit and down payment challenged with only 20 days to be moved out, we called Michael. He introduced us to Karen from Hasson Company Realty, Karen really jumped on the ball. Within an hour we were looking at new listing within our buget. Michael and his team really went above and beyond to help us find and close on our purchase in 17 days. We can't thank you enough for working so dilligently under extreme pressure. You are true life savers! By the way... we love our fully upgraded "Model Home".
S. and C. Labotts - Redmond, OR
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My active professional affiliations:
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I am PROUD to support the Intrepid Fallen Heroes Fund! The Intrepid Fallen Heroes Fund, a national leader insupporting the men and women of the United States Armed Forces and their families, is launching an important new effort to serve our military community. The Fund will design and build the National Intrepid Center of Excellence (NICoE), an advanced facility dedicated to research, diagnosis and treatment of military personnel and veterans suffering from traumatic brain injury (TBI) and psychological health issues.
One stop shopping for all your scented candle, scented oils, and candle manufacturing needs. Whether you're are manufacturing your own, buying retail or wholesale, nobody beats the quality and cost of The Candle Source, nobody. The Candle Source offers 168 different scents to date, additional scents, coming soon! Looking for reed diffuser oils, inquire!
PROUD SPONSOR OF SCHOOLS and ORGANIZATIONS FUNDRAISERS NATION WIDE
The Candle Source is one of the only fundraising sponsors known to allow schools and organization across America, to generate 50% income from fundraising sales. The Candle Source offers truly unbeatable products. Contact MICHAEL TORRES @ 541-598-8888 for more information.
CCS is Central Oregon's premier residential and commercial cleaning source. Honesty and integrity you can trust. Cascade Cleaning Source simply out-shines the competition, hands down!
For rates and more information, please feel free to contact:
PMS has been helping Central Oregonians with their perplexing home, yard, auto, computer needs for years. When you need a handyman, general maintenance, jack of all trades, you name it! The # 1 source for your cure is PMS.
$20.00 per/hr base charge and $30.00 per/hr for added complexity.
For more information, please feel free to contact:
Don't forget we are here for all your Mortgage Financing, Credit Pre-qualification and repair needs as well. An officer is standing by to assist you 24 hours a day.
The Prestige Family of Services is here to serve you, give us a try, you will not be disappointed.
Though MBS were not quite as thinly traded as treasuries (lowest volume since the first trading day of 2010), the picture wasn't much better. At least that which is at risk on low volume days--volatility due to the trading that actually happens comprising a larger portion of th...Read More
Mr. O’Reilly (December 01, 2009) claims that the “new” root cause of the housing crisis is the (lack of) “jobs, jobs, jobs.” So the solution to the crisis must be (the creation of) “jobs, jobs, jobs.” I agree. But the next...Read More
This was the half time scene in Miami last night at Super Bowl XLIV... I am sure many watchers were thinking: Why The Who? Maybe some of us in our 60s and 70s need to be “put out to pasture” or start “whittling wood” on the front porch. However, as a boo...Read More
The market is duller than a Colts victory parade at the moment. We're dealing with a fairly standard issue "calm before the storm" that we often see on a data-limited Monday when the rest of the week contains the more significant events. The supportive trends we began...Read More
As AQ pointed out this morning, today's slightly downward trend in MBS price began in the final hours of Friday's trading. Both MBS and Treasuries put in their best marks of the day just before 2pm, and have moved steadily downward ever since. You may notice, however, that ...Read More
Who Dat!!!! Congratulations to New Orleans on a well played and exciting Super Bowl victory. Mortgage rate moved a few basis points lower on Friday following the Employment Situation Report . While we have seen scattered day over day streaks of improvements, mortgages rates have fa...Read More
DID I MENTION THUNDER SNOW ! By the look of the charts, it doesnt appear that we should be expecting any noticeable improvements in positive price momentum today. We are extending the downtrend that began midday Friday. The FN 4.0 is -0-08 at 98-08 yielding 4.169% and the FN 4.5 is...Read More
I thought about taking today off from the commentary to celebrate, since yesterday I won all 4 quarters of my office's Super Bowl pool! And then I remembered that I was the only one in the pool, don't really have an office, and that the net effect of my $50 a...Read More
Good Morning. Congrats to the Saints. Here is a recap of my weekend.... We had a blizzard...32 inches of THUNDER SNOW . The driveway was defeated with snowblowers. This is only the first half of the driveway by the way.... The CAPS came from behind to beat the pens. Ovie had a tric...Read More
The week ahead is a particularly slow one. The only major releases are the Trade Balance on Wednesday and Retail Sales report on Thursday. Plus, Friday will see February’s first measure of consumer confidence. With little fresh data to anticipate, the fear is that markets will continue on the...Read More
To view or print the Microsoft Excel content on this page, download the free Microsoft Excel Viewer . February 8, 2010 TG-538 Treasury Releases Build America Bonds Update Build America Bonds Provide More Than $70 Billion Nationally to Date Report Details Cumulative, State by State Bond Issuances Recovery Act Bond Program Boosts Economic Development...Read More
From MarketWatch: Portugal, Greece, Spain default worries rise The cost of insuring Spanish and Portuguese government debt against default via credit default swaps hit new records Monday, while the cost of insurance for Greek debt also rose, according to CMA DataVision. Whether or not this concern is justified, it shows investors are nervous....(Read More
From Fitch: New Year, No Improvement as U.S. Prime Jumbo RMBS Delinquencies Approach 10% U.S. prime jumbo loan performance continued to weaken in January as serious delinquencies rose for the 32nd consecutive month, according to Fitch Ratings in the latest edition of Performance Metrics. "The new year has brought no relief from declining jumbo...Read More
A new storm system barreling across the country may bring as much as 12 inches (30 centimeters) of snow to New York, Washington and Baltimore starting late tomorrow, forecasters said....(read more)
How do you get borrowers to avoid walking away from homes that are deeply underwater without encouraging more to follow by writing down principal balances? One idea: Pay them to keep paying their mortgage. The novel approach is being touted by Loan Value Group LLC, a firm selling their idea—and ready-made application—to mortgage investors nervous a...Read More
Wall Street Strategies submits: When I was a kid we used to play with those little "super balls" that made unpredictable bounces and created unlimited fun. The harder you threw it against the wall the wilder the gyrating bounces. Adding to the fun was the thrill of knowing that if there was another vase broken, there would be serious hell...Read More
Here are 10 of the most informative charts I’ve seen regarding Friday’s NFP: > Click for bigger (and in some cases, ginormous) charts No Job Gains for a Decade Bianco Research ~~~ Percentage Job Loss form Recession Start Chart of the Day ~~~ Cumulative Job Losses Bianco Research ~~~ Unemployment Rate — Recessionary Peaks The Chart Store ~~~ Job ...Read More
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Prestige Home Mortgage 2848 NE Rainier Drive Bend, OR 97701
