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(503) 850-7667

Theory Mortgage
  • Home
  • What We Offer
  • About Us
  • FAQs

Brian's Theories for you

Theory #1 - Get a 30 year fixed versus a 15 year fixed.

The quick answer is to get a 30 year fixed.  Then, save the difference in payment in your investment or retirement account or use the savings difference to more quickly payoff any higher rate debt like credit cards or student loans.  

Theory #2 - Do not waste your money paying discount points.

Because it typically takes 6 to 7 years of lower payments to recoup the upfront cost of paying discount fees, it is usually not worth it.  Most homeowners refinance, sell or otherwise payoff their loan before breaking even.  There are only a few instances where it makes sense to pay discount points to buy down the rate.  Call for details.

Theory #3 - A rental is better college savings plan than a 529.

Theory #3 - Get a rental.  

Theory #4

Theory #4 - Coming Soon.

Theory #5

Theory #5 - Coming Soon

Theory #6

Theory #6 - Coming Soon

TBD

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