I have been living in Oregon House for 7 years and have a wonderful wife and 2 beautiful young children, aged 3 1/2 years and 4 months. I've been working in this business for a few years now and enjoy every minute of it. My love of my work and my positive outlook ensure that people enjoy working with me. I work hard to get deals closed on time and do it as smoothly as possible. I consider myself very fortunate to have an exceptionally experienced team backing me up. My excellent work keeps a steady stream of referrals coming my way.

Both borrowers and Realtors will benefit from my hard work and honest desire to be so good you will insist on telling your friends and associates about me.

My Wholesale lenders offer the following ~

  100% financing.            Mortgages for First-time home buyers.

  Fixed rate loans for 10, 15, 20, 25, 30 & 40 years. Adjustable Rate Mortgages with fixed periods from 1, 3, 5, 7 & 10 years.

  Loans with 10 or 15 years of interest-only payments.

  New Construction. Buy raw land and build with 1-time closing - your loan amount can include soft costs.

  Renovation. Borrow up to 50% of 'as completed' value to purchase or renovate a home.

  Manufactured Homes.   Manufactured Select.

  Reverse Mortgages for those over age 62.

  You don't need to be a US citizen and you don't need to have good credit to qualify for a good rate. 

  Plus the new Homeowner Accelerator. If you have good credit and earn more than you spend you could save tens    of thousands, or more, without changing your spending habits .

If you have any questions about any of these products, or even any products I didn't list here, please give me a call or send an email. I'd be glad to be of service to you.

My strong point is finding the best rates available from my pool of lenders and securing it for my clients. I never apply pressure to my clients at any time - I believe in clearly explaining the whole process from start to finish so they feel secure and comfortable right up to closing. I believe my clients should be aware of all costs involved at the beginning and be told immediately of any changes, so they are not surprised by the time of closing. I don't believe in quoting low interest rates to get business, only to increase the rate once borrowers have made a committment to me. I remain open and clear during the whole process.

My lenders' rates are among the lowest available. Even the main lending banks often charge higher rates than I can get from my Wholesale lenders. Combine that with excellent service, and low fees and you've got a very good deal. For fast and professional service contact me.

I really enjoy this business and try to make it run as smoothly as possible. A positive attitude can go a long way.

No one will work harder than I to get you the best deal available. So let's make this an enjoyable experience together.

Graham

Graham provided me with a very satisfactory service refinancing my home. I liked the transparency and openness during the whole process. some brokers keep you in the dark or don't disclose everything. Graham did not only get me a good deal to refinance my home but also gave me good advice about saving money on insurance. I can highly recommend his service.       Mr. J Thiele. Oregon House, CA.

Thanks so much to Graham McCulloch. He was honest, responsible and totally available. He made the A-Z of re-financing simple and understandable (not something to take for granted in the current climate), and never lost patience with us with our interminable questions. He helped us with paperwork and explained everything carefully. Also, he was FUN to work with through the whole process. Eternal thanks to Focus Home Loan Solutions!  Carlos Caruncho and Eliza Tudor, Oregon House, CA