Michael Neef

Our philosophy and mission is to provide home buyers and owners a smooth, educated and stress free experience. We strive to help our clients secure the right Mortgage loan for their personal and financial goals.

With the ever changing loan programs in the mortgage industry staying up to date with guidelines, rates and the products available is very important. However, we believe that the most important thing we can do is help you feel comfortable about the process by providing valuable information that will prepare you for the financing process.

Home Purchase
For many people, purchasing a home is the largest and most important financial decision they will make. This is why it is so important to work with someone who can walk you through both the financial and emotional sides of a purchase.

Financially a loan officers job is to study your income documentation and figure out how much you can comfortably afford. Than determine which loan programs fit best with your goals for the home. The recommended mortgage structure can completely change depending on how long you plan on keeping the home or what your personal financial goals are.

Emotionally the process can be stressful. But with the right information, buying a home is fun and exciting. A very basic and often underestimated skill today is the ability to listen. We do not just listen to the words you say, but also to your emotional reactions. This really helps us to better understand what is important to you about purchasing and how we can help you feel comfortable during that process.

Good communication is the key to any successful relationship. Whether your communicating your financial goal's to a Loan Officer, your birthday wish list to your significant other or what you want for dinner! Our commitment is to communicate throughout the process, listening to your goals while helping you map out a plan to reach them

My Career:
I began in the Mortgage industry in November of 2005, shortly after a terribly stressful experience with the loan officer that provided financing for our first home. We where left in the dark feeling stress, anxiety and negative emotions no newlywed couple should feel. My wife and I where very anxious to move forward but the loan officer was experiencing communication breakdown. (My affectionate term for being verbally non responsive) shortly after this purchase, I decided to make a career change and join the mortgage industry. My only goal was to help people through consistent communication and information …. exactly the opposite of what we experienced.

About Me:
I was born in Beaverton OR, but moved to Livermore CA when I was 2 years old. In my heart I always felt like I belonged in Oregon and fortunately my wife was understanding and willing to move with me. We moved to Portland in September 2006 and have since then fallen in love with Portland community and unique style. I am a very proud Husband and Father to a baby boy who was born just 3 miles from where I was born. I enjoy spending time with my wife and son, Golfing, Cooking, Playing games and going out with friends.
Thank you for the opportunity to earn your business.

Michael Neef

Sr. Loan Officer
(503) 929-4615 : Direct
(503) 501-4987 : Fax
Michael@PortlandHomeLoanExpert.com
www.PortlandHomeLoanExpert.com