Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Terry Sprague, a proven Lake Oswego, West Linn, Portland and Sherwood, Oregon NUMBER1EXPERT™ Top Selling real estate agent. Find Lake Oswego, West Linn, Portland and Sherwood Homes - Find Lake Oswego, West Linn, Portland and Sherwood, Oregon real estate listings & homes for sale provided by Terry Sprague, your local expert real estate agent. Luxury Properties. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Terry Sprague, a proven Lake Oswego, West Linn, Portland and Sherwood, Oregon NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Terry Sprague, a proven Lake Oswego, West Linn, Portland and Sherwood, Oregon NUMBER1EXPERT™ Top Selling real estate agent. Lake Oswego, West Linn, Portland and Sherwood Information - Find local information on Lake Oswego, West Linn, Portland and Sherwood, Oregon including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Terry Sprague, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Terry Sprague, a proven Lake Oswego, West Linn, Portland and Sherwood, Oregon NUMBER1EXPERT™ Top Selling real estate agent. About Terry Sprague - Information about Terry Sprague including testimonials, guarantees, credentials, and contact information. Learn why Terry Sprague is a proven Lake Oswego, West Linn, Portland and Sherwood, Oregon NUMBER1EXPERT™ Top Selling real estate agent. 
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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According to Feng Shui, the art of home placement, what five elements are needed in a harmonious environment?
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Wood, fire, earth, metal and water must be balanced to create a happy, prosperous home. |
 See More Real Estate Trivia > |
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Terry Sprague Broker
Sotheby's International Realty
Servicing Clients in the Portland Metro Area
Portland Lake Oswego Luxury Homes and Real Estate
Representing Buyers and Sellers
Terry Sprague Cell: 503-459-3987
Fax: 503.387.5315
Terry Sprague: terry.sprague@sothebysrealty.com
Cushman & Tebbs Sotheby’s International Real Estate introduces The Terry Spragu Group, welcome you to Oregon and to our website, the premier online resource for Lake Oswego and Portland Metro Oregon Luxury estate and properties of distinction throughout the state. If you're contemplating making a real estate investment in Oregon, or if you require assistance in finding the right buyer for your luxury home, we stand ready to provide you with concierge-level service.
We specialize in representing prestigious properties, from lifestyle homes in Lake Oswego to luxurious West Linn Oregon realty and Oregon Coast Ocean front homes along the state's spectacular 363-mile coastline. We also have extensive experience with and expertise in new developments and properties throughout the Greater Portland area, including Sherwood Oregon homes and Wilsonville Oregon real estate
Portland Oregon, with its sheer natural beauty, diversity, and outstanding quality of life, offers unparalleled real estate and lifestyle options. Terry’s goal is to ensure that you make the best and right choices, whether buying or selling real estate in this exceptional region.
As Brokers for Cushman & Tebbs | Sotheby's International Realty, we provide our clients with an international network of resources and access to highly qualified buyers from across the globe. When it comes to the quality of our service, we never compromise.
We aim to exceed your expectations, not just meet them. For more information on our services and on real estate in the Greater Portland area and beyond, please browse through our site, and our home site www.212International.com and www.TheTerrySpraguGroup.com   
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