Helen Williams~Oregon Loans by Helen~ FHA VA USDA Reverse Mortgage Specialist

A little bit about Helen

I began my career in lending in the late 80's in California. Things were much different then. It was the days before credit reporting agencies and computers on every desk. Applications were all hand written and verifications were all sent via snail mail.

Along my career path I spent almost 8 years with Fidelity National Title in Mendocino County as Assistant VP of Sales and Marketing. I also enjoyed two years working with Community Development of Mendocino County, -the housing authority. I helped to develop and run the nonprofit "HELP" program that helped many families to obtain their first home with the help of a silent 2^nd for $30,000.

In 2007 I went through the CMPS training (Certified Mortgage Planning Specialist) in Dallas, TX. It was a eye opening and exhilarating experience, and has truly helped me to understand the WHY behind my industry and what makes the rates move and many other secrets to being successful in my industry.

Moving to Titan Funding (Western Mortgage Brokers, Inc) was a great move for me and all my customers. Besides having excellent wholesale rates (far better than anything I have ever been able to offer before), I am supported by a great staff to help me and 24 hour guaranteed underwriting turnaround times. I know that any success I achieve in life is because of those that surround me.

For more information about me and why I smile so much, see my blog at---- and this doesn't have all of my new grandkids pictures!

http://helensbioandfamily.blogspot.com/2009/10/helens-bio-and-family.html

What sets me apart from the others

I love working with people. That may sound like an odd thing to say, but I have found a lot of people in my industry who want to just take loan applications- they miss the "art" of conversation and finding out the long and short term goals and dreams of the people they are working with. Most of my business has come from my past clients and referrals from past clients. Whether you are looking to purchase a home, refinance or would like to discuss Reverse Mortgages, please let me know how I can assist you with your lending needs.

Rates are determined by mortgage backed security bonds- and they change constantly, sometimes that affects the rates to change several times a day. I have constant access to the bonds trading and share that information with my borrowers. That can help them to decide when the best time to lock will be.

Purchasing a home is often the largest and most complex transaction a person will endeavor. The right loan program for one person might be the wrong one for another. There is not that many options in residential lending as in years gone bye, but it is important to work with someone who has your best interest in mind. I do Conventional 30, 20, 15 or 10 year fixed, FHA-VA-Homepath or USDA-,I also have adjustable loans fixed for 5, 7 or 10 years call me and we will discuss what loan option is best for your financial future.

Testimonials from clients over the past several years

•I've worked with Helen twice over the years and both times she was extremely helpful. She kept me informed on rate changes and locked in my rate prior to a major increase. Helen was available to answer all my questions and made the process simple and easy. I have recommended her to friends, and would not hesitate to do so again. Jennifer Wells

•"Helen has assisted us with numerous property purchase transactions. She was wonderful to work with, and has vast knowledge of the mortgage industry, and a "can do attitude. • Mike & Betsy Kelm

•Helen, this note is to let you know how much we appreciate the work you did as our mortgage broker during the purchase of our home on Quail Ridge Lane. Your help made the experience an enjoyable one, if one could say buying a home is "enjoyable". Your help from day one was tireless and you followed it through to the final signing. We're considering "trading up" in the near future and will certainly contact you when we're ready. With kindest regards and looking forward to our next association. • Al and Kris Crocker

•Dear Helen- Thank you so much for getting our home loan processed in such an expedient and professional manner. The regular updates were helpful to Laura and myself, reducing the in-process stress that I've experienced in the past. Laura in particular appreciated the extra time you took to explain what was happening and what was expected during the process. The confidence we both have in your ability has allowed us to recommend you without reserve. Thanks again for your assistance. • Stan & Laura Cox