Guiding our clients home,
one mortgage at a time.

Your guide through the mortgage journey.
 
 

 Better Service

 Better Options

 Better Future

 

PRM's Simple Mortgage Plan

You should not have to go at it alone!

Many people get misguided or discouraged when faced with choosing a mortgage. We believe that the mortgage process doesn't have to be complicated. You find the house and we will guide you to the mortgage solution best-suited for your individual needs!


At PRM, our experienced and knowledgeable Mortgage Bankers will guide you through the loan process to ensure you are comfortable and informed each step of the way. We offer a wide variety of loan options and tailor every single one to our clients' specific needs.

1

Schedule an Appointment

We start by assessing your financial goals and needs.

2

Get Pre-Approved

We will structure the loan program to set you up for success.

2

Close with Confidence

Close knowing that you have the right loan for you.

Don't get misguided. Download our Mortgage Tips Guide!

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Are you looking to buy your first home? Click here to learn more!

 

A variety of home loan options that make the path to home ownership a breeze!

 

Let's see what your house can do for you! Click here to learn more!

 

Learn more about our RateSafe program. Lock in your interest rate now!

 

Are you on the fast track to home ownership? Check out our Fast Track Financing.

 

5 Tips for Staying Out of Debt in 2019

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First-Time Buyers: Start Here

Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.

Your packet will be sent to the email provided. Let us help you get started now!

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Stars

Outstanding!

kcangel99 from Tigard, OR

Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.

Stars

Competent & Conscientious

Amy from Clackamas, OR

Thank you, Scott, for everything. It isn’t often that I do business with people who are as competent and conscientious as you are – not to mention patient! You can be sure that I will recommend everyone I run into to you!

Stars

Excellent Experience!

Jennifer

Rodd and Sonja were super helpful and quick to respond to any questions or needs that I had! I will definitely pass along my positive experience to friends and family for their future mortgage needs! Thanks so much!

Stars

Highly Recommended

Wendy

Jackie was absolutely amazing! Both Jackie and Buddy were extremely professional, friendly, and acted with a sense of urgency. Puckett team was extremely helpful and informative!! Recommended highly to all friends and family. Thank you Buddy and Team!!

Buy-Refi

Loan Process

See the step-by-step to getting into your new home.

Apply-Now

Apply Now

Ready to get started? Our online application is easy to follow.

Mortgage Calculator

Estimate monthly mortgage payments for various price ranges.

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First-Time Buyers: Start Here

Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.

Your packet will be sent to the email provided. Let us help you get started now!

  • What browser is client using
  • This field is for validation purposes and should be left unchanged.
Stars

Outstanding!

kcangel99 from Tigard, OR

Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.

Stars

Competent & Conscientious

Amy from Clackamas, OR

Thank you, Scott, for everything. It isn’t often that I do business with people who are as competent and conscientious as you are – not to mention patient! You can be sure that I will recommend everyone I run into to you!

Stars

Excellent Experience!

Jennifer

Rodd and Sonja were super helpful and quick to respond to any questions or needs that I had! I will definitely pass along my positive experience to friends and family for their future mortgage needs! Thanks so much!

Stars

Highly Recommended

Wendy

Jackie was absolutely amazing! Both Jackie and Buddy were extremely professional, friendly, and acted with a sense of urgency. Puckett team was extremely helpful and informative!! Recommended highly to all friends and family. Thank you Buddy and Team!!

Buy-Refi

Loan Process

See the step-by-step to getting into your new home.

Apply-Now

Apply Now

Ready to get started? Our online application is easy to follow.

Mortgage Calculator

Estimate monthly mortgage payments for various price ranges.

Collapse
Collapse

First-Time Buyers: Start Here

Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.

Your packet will be sent to the email provided. Let us help you get started now!

  • What browser is client using
  • This field is for validation purposes and should be left unchanged.
Stars

Outstanding!

kcangel99 from Tigard, OR

Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.

Stars

Competent & Conscientious

Amy from Clackamas, OR

Thank you, Scott, for everything. It isn’t often that I do business with people who are as competent and conscientious as you are – not to mention patient! You can be sure that I will recommend everyone I run into to you!

Stars

Excellent Experience!

Jennifer

Rodd and Sonja were super helpful and quick to respond to any questions or needs that I had! I will definitely pass along my positive experience to friends and family for their future mortgage needs! Thanks so much!

Stars

Highly Recommended

Wendy

Jackie was absolutely amazing! Both Jackie and Buddy were extremely professional, friendly, and acted with a sense of urgency. Puckett team was extremely helpful and informative!! Recommended highly to all friends and family. Thank you Buddy and Team!!

Buy-Refi

Loan Process

See the step-by-step to getting into your new home.

Apply-Now

Apply Now

Ready to get started? Our online application is easy to follow.

Mortgage Calculator

Estimate monthly mortgage payments for various price ranges.

Collapse
Collapse

First-Time Buyers: Start Here

Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.

Your packet will be sent to the email provided. Let us help you get started now!

  • What browser is client using
  • This field is for validation purposes and should be left unchanged.
Stars

Outstanding!

kcangel99 from Tigard, OR

Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.

Stars

Competent & Conscientious

Amy from Clackamas, OR

Thank you, Scott, for everything. It isn’t often that I do business with people who are as competent and conscientious as you are – not to mention patient! You can be sure that I will recommend everyone I run into to you!

Stars

Excellent Experience!

Jennifer

Rodd and Sonja were super helpful and quick to respond to any questions or needs that I had! I will definitely pass along my positive experience to friends and family for their future mortgage needs! Thanks so much!

Stars

Highly Recommended

Wendy

Jackie was absolutely amazing! Both Jackie and Buddy were extremely professional, friendly, and acted with a sense of urgency. Puckett team was extremely helpful and informative!! Recommended highly to all friends and family. Thank you Buddy and Team!!

Buy-Refi

Loan Process

See the step-by-step to getting into your new home.

Apply-Now

Apply Now

Ready to get started? Our online application is easy to follow.

Mortgage Calculator

Estimate monthly mortgage payments for various price ranges.

Collapse
Collapse

First-Time Buyers: Start Here

Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.

Your packet will be sent to the email provided. Let us help you get started now!

  • What browser is client using
  • This field is for validation purposes and should be left unchanged.
Stars

Outstanding!

kcangel99 from Tigard, OR

Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.

Stars

Competent & Conscientious

Amy from Clackamas, OR

Thank you, Scott, for everything. It isn’t often that I do business with people who are as competent and conscientious as you are – not to mention patient! You can be sure that I will recommend everyone I run into to you!

Stars

Excellent Experience!

Jennifer

Rodd and Sonja were super helpful and quick to respond to any questions or needs that I had! I will definitely pass along my positive experience to friends and family for their future mortgage needs! Thanks so much!

Stars

Highly Recommended

Wendy

Jackie was absolutely amazing! Both Jackie and Buddy were extremely professional, friendly, and acted with a sense of urgency. Puckett team was extremely helpful and informative!! Recommended highly to all friends and family. Thank you Buddy and Team!!

Buy-Refi

Loan Process

See the step-by-step to getting into your new home.

Apply-Now

Apply Now

Ready to get started? Our online application is easy to follow.

Mortgage Calculator

Estimate monthly mortgage payments for various price ranges.

Collapse
Collapse

5 Tips for Staying Out of Debt in 2019

Your financial well-being should be one of your highest priorities, and the decisions you make today will determine how your finances will be in 2019 and beyond. Here are some tips for staying out of debt for a prosperous year:

1. Think About Debt Elimination First

Utilize a cash-out refinance with PRM to help pay off debt in 2019. Consolidating your debt with a cash-out refinance can be a win-win. You will be able to use the equity your home has built up to contribute towards debt and potentially get a lower interest rate. This could lower your current mortgage payments and give you the ability to consolidate debt all at once!

2. Find An Accountability Partner

Share your situation with an objective third party, someone who you know is in a better financial position than you. You want the best advice you can get. Schedule monthly progress meetings to ensure you remain on track. It can take years to pay off large debts, so it’s important to have an accountability partner who can help you stay focused.

3. Develop a Plan – Track Your Spending

If you do not have a budget, there’s no time like the present to get started taking control of your finances. Planning and documenting your needed expenses versus what you truly spend will help you start the New Year on the right foot and set you up for future financial success. To spend wisely, remember to weigh your needs versus wants, and prioritize certain purchases. You are in control of your money, so let it work for you and not against you.

4. Build an Emergency Fund

Expect the unexpected! It’s important to have a barrier between an emergency and your credit card. You definitely don’t want to get more into debt because of an unfortunate surprise expense. A good rule of thumb is to have three to six months of living expenses, but if that’s too much, set a goal of saving of a least $1,000, and work up to more. The best way to start saving is to set up an automatic savings plan that transfers directly from your checking account into your savings account. Set it and forget it! You can even start with as little $25.

5. Stick to Cash

Can’t pay it off in 30 days? Don’t buy it. It seems basic, but it’s a powerful truth many people learn too late. Think before you buy. Before making a purchase, ask yourself, “do I really need this?” Make some calculations before using your credit card and wait until you have the cash instead. Studies show people spend significantly less when purchasing with cash instead of a credit card.

It pays to make sure you have the cash on hand that you could theoretically use to make a purchase before you put it on plastic. This strategy empowers you to enjoy the benefits of credit cards (including the potential to earn rewards, including cash back on purchases) while ensuring you won’t be faced with a credit card balance you can’t pay in full.

Stay tuned for 5 More Tips for Staying out of Debt in the near future! As always, contact us or fill out the form below with any questions – we are here to help you!

Pacific Residential Mortgage is not a financial planning institution, if you need financial planning assistance, reach out to a financial planner or ask your PRM mortgage banker for a referral.
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Client Success Stories

"Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation."

 
-kcangel99, Tigard, OR
LO
Anette Sieverson
NMLS-136913
Sr. Mortgage Banker

"Rodd and Sonja were super helpful and quick to respond to any questions or needs that I had! I will definitely pass along my positive experience to friends and family for their future mortgage needs! Thanks so much!"

 
-Jennifer, Portland, OR
LO
Rodd Miller
NMLS-37965
Sr. Mortgage Banker

"Very helpful and transparent throughout process. Was a breeze to get everything done. We especially enjoyed how frank they were on rates and future outlook. Thank you!"

 
-Mike, Sublimity, OR
LO
Buddy Puckett
NMLS-270057
Branch Manager / Sr. Mortgage Banker

"I couldn't have been in better hands than with Venessa and her team! Going in to this process as a first time home owner can be daunting, but the PRM team made extra efforts to walk me through every detail and guide me with confidence. I'd highly recommend working with Venessa and PRM."

 
-Katie, McMinnville, OR
LO
Venessa Eck
NMLS-140124
Sr. Mortgage Banker

The first step? Contact a local Mortgage Banker today!

 
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