Your home buying or refinancing experience should be a positive one! 

Hello, my name is Michael Frakes.  I am with Creekside Mortgage Inc., centrally located here in Vancouver, WA.  I am a licensed loan specialist providing conventional, FHA and VA loans in both Washington & Oregon.  Thank you for stopping by!  You will find that integrity, experience and dedication are the basic belief of how we do business at Creekside.

Are you tired of  hype and ridiculous advertising schemes?  Many loan programs you see and hear promote ridicilously low rates that ultimately cause financial hardship - possibly even risking the loss of  your new home.  I only offer straightforward home loans with quality banks, based upon what is best for your financial needs.  Your house payment should be considered a finacial tool that benefits you now and down the road.

Does the catch line, "We pay for your appraisal" sound appealing?  What you may not realize is that in most cases you do end up paying for it.

Should you pay for discount points to "buy" the rate down?  In most cases they are not necessary because those very rates are already available to you - without adding additional hundreds or thousands of dollars onto your loan!

You matter to me. Customer service is of paramount importance. My standard is to always provide you and everyone involved in the loan process with only the highest level of service.  I specialize in structuring a great loan product right from the beginning, no gimmicks and no games.  In other words, no empty promises or surprises at your closing - which I attend with you.

I consider it a privilege to work with you in this important venture. This is one of the most important financial decisions you will ever make.  I will ensure that you fully understand all aspects of your loan. 

  With access to numerous lenders I can secure the best rates available to you. We will look at your financial picture in a comprehensive way to achieve the most affordable payment for your overall budget as you will know exactly what price range you should be in.   Additionally, I keep you updated and informed every step of the way. 
This provides for a quick, stress free closing!

mike@creeksidem.com

Attention Veterans! As of the 3rd week of January, rates have fallen to new lows not seen since 2005. A VA Streamline loan is a great way of accessing those lower rates quickly. Here are some details of a VA Streamline;a new appraisal is not required/ income or employment verifications are not needed, no credit report is necessary/ your mortgage must have been paid for the last twelve (12) months as agreed and must be up to date at the time of refinancing.

Having retired from the US Navy myself, it is an honor to  help fellow Veterans utilize the many great VA loan benefits they have earned. 
Take a look; Purchase - Zero down to $417,000.00 / No monthly mortgage insurance payment / Seller pays closing costs / 100% financing / VA Streamline - which lowers your rate quickly and easily.  
And if you have as little as a 10% VA disability you can save thousands. 

Please note; It's important to work with a lender who fully understands and explains the VA loan process.  Many lenders don't offer it or are unfamiliar with the process - causing you to miss out on one of the best loan programs available to you!            mike@valoan.com
  (For more information click on the Application page - then go to VA loans.) 

I  love the ocean and service both the Northern Oregon Coast  and  Southern Washington Coast.  I have family on Washington's  Long Beach Peninsula  and go there as much as possible.  I would love to help you live there! 
Whether you settle on the beautiful city of Astoria or Warrenton or the
Long Beach Peninsula, 
I have you covered at the beach! 

Please contact me at;mike@valoanspecialist.com or mike@creeksidem.com

  Is credit a concern? Let's talk - I find that most people are actually better off then they realize. It's important to know where you stand and
we will work together to achieve your goals. 

For your convenience I am available after hours. You or your realtor may call me at any time, even on weekends, and I will be there to answer your questions.  Pre-approval is free and may be completed over the phone. 

 Don't worry - there is never any obligation. 
Just friendly information that informs you of your best options. 

 Thank you for your time, I look forward to helping you with: