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Helping You Achieve Your Dreams

Since 1992

Steve & Janey Salveson

W.J. BradleyMortgage Capital

Corp.



W.J. BradleyMortgage Capital Corp.

Since 1992

www.wjbradley.com

1.503.716.5910

Licensed in Oregon, Washington

and 16 other states.



W.J Bradley Mortgage Capital Corp.Recognized as a leader in mortgage banking, W.J. Bradley offers in

house underwriting, loan documents and same day loan funding.

With local loan processing in our Beaverton office, we are able tooffer the highest level of customer support to our Borrowers and our

Realtor partners.

From the inception of W.J. Bradley Mortgage Capital Corp, we have

successfully developed a company that is driven by experience, has a

positive culture with a demand for excellence while still being a fun

place to work.

W.J Bradley Beaverton Branch

16100 NW Cornell Rd Suite 210

Beaverton, OR. 97006

Main 503.716.5910

Stephen & Janey Salveson

Sr. Loan Officer

Branch Manager

503.716.5910



Stephen & Janey Salveson

Senior Loan Officers

Branch Managers

Stephen Salveson GRI, CRMS

Direct: 971.250.4510

Cell: 503.939.9437

Email: [email protected]

Web: www.mywjb.com/stephen-salvesonMLO-88726 ML-137 NMLS-88726 Co NMLS 15261

Janey Salveson, Senior Loan Officer

Direct: 971.250.4511

Cell: 503.913.3021

Email:[email protected]

Web: www.mywjb.com/janey-salvesonML-137 NMLS-227589 Co NMLS-15261





Stephen Salveson,Husband, Dad, Fisherman

Except or some extended travels in his early 20’s, Steve has lived in Hillsboro since 1955, not willing toleave the Maritime Pacifc Northwest he so loves. He and his wie, Janey Salveson have 3 daughters. Jose-

phine, the youngest, graduated rom High School as a Junior and is pursuing a Nursing Degree. Austyn

the middle daughter is attending Oregon State University and plans to continue on to the OSU School o

Veterinary Medicine. Averina, the oldest daughter, a Graduate o University o Oregon with 3 majors and

3 minors and plans to continue on to law school and ultimately practice international law.

Captain o several fshing teams Steve has won the prestigious Willamette Salmon Quest as well as win-

ning and setting a new tournament Record in a long running private Salmon tournament in Tillamook

Bay. Retired rom tournament fshing, Steve’s avorite fshery is bobber fshing or all Chinook salmon

in the tidewater portion o many o our coastal rivers, catching Large Fall Chinook up to 40 - 50 pounds

each year. Crabbing the coastal bays, clamming the north coast beaches and hunting all mushrooms in

the coastal hills flls out the balance o his outdoor activities.

A man o his word, Steve prides himsel in still making transactions based on a handshake and strongly

believes that your word is your bond and that a reputation o being an honest stand up person is one o

the most important things in the world.

Buying his frst home at 22 and his frst rental

at 24, Steve spent many years as a Realtor and

landlord, owning a single amily home as well

as two & three unit rental properties and acondo at the beach. Except or their current

home, Steve & Janey’s only other current Real

Estate holding is a 1/3 interest in a beach house

in Netarts and they like it that way.

An avid angler, Steve spends most o his spare

time fshing. Everything rom Salmon on the

Willamette and Columbia Rivers, to Halibut

and Bottom fsh in the Pacifc Ocean. His frst

Tuna trip in 2005 made such an impact; he nowmakes several trips each year oten traveling 40

miles oshore to catch Albacore Tuna.



Janey Salveson,Wife, Mother and The Real Boss

Janey uses her 10 years o mortgage experience to write loans, attend to the details o all their loans, andis active in the day to day operations o their branch ofce. A native o Oregon she was born and raised

in the Portland metro area. Janey decided to get into the mortgage business because she wanted to help

people make inormed decisions with one o the largest investments they will make in their lietimes. She

is very passionate about making sure people understand their options in the mortgage process. And works

very hard to ensure loan process goes smoothly or all involved.

Janey enjoys cooking, gardening and is learning to sew, crochet, and knit. Most recently she has spent

time learning to harvest chanterelle mushrooms in the Coast Range and has been working on perecting

her and Steve’s recipe or smoked Oysters.

Someone once said “Behind every successul man is a good woman” No one will be aster to agree than

Steve that having Janey by his side has been paramount in the success o their mortgage business.

Janey & Steve have been together or 10 years during

that time she has come to love the outdoors as much

as he does. Janey oten accompanies Steve to fsh, clam

and crab the bays and rivers o Oregon as well as tripsout into the ocean or salmon, halibut and tuna. They

enjoy being together, be it fshing or salmon or brain-

storming on how to overcome difcult obstacles and

get a challenging loan closed.

Being a wie and mother, Janey has the experience and

patience necessary to calmly deal with even the most

stressul times; be it landing a large salmon, calming

the ofce down or dealing with difcult underwriting

conditions, it is her calm strength that is the ounda-tion o their team.



A few of the many comments from customers over the years

“As a homebuilder I understand the importance o paying attention to detail. In the multiple loans Steve & Janey

have done or us the details were always handled with proessionalism and there were never any nasty surprises.

Everybody that I have reerred to them has also been very happy with the service and the loan they got.”

Brian and Carol Marek

“We frst met Steve through his involvement with NW Steelheaders. Over the last ew years Steve and Janey have

done multiple loans or us and we were always kept inormed and the loan was closed exactly as promised and on

time. They helped us structure each loan to match our needs and made the process easy and stress ree. “

Shawn & Cindy MacDonald

“Steve has done a couple o loans or us over the last ew years. We were so happy with the way the whole process

was handled that we have reerred them to many o our riends and acquaintances. In every case, when we hear

back every single person has nothing but good things to say about him. I would highly recommend him

to anyone looking or a home loan.”

Je & Laurie Melberg

“When we started to look or a house we were reerred to Steve and Janey by our CPA. They worked with us to

custom tailor the loan to meet our needs, they kept us inormed, helped us make good decisions and worked hard

to get us the best loan possible. Since then we have reerred Steve and Janey to Mark’s brother and he also is very

satisfed. We can recommend them to anybody looking or a home loan.”

Mark & Genet Friess



A few comments from Industry professionals

“Steve Salveson has been my main go to lender or most o my 16 years as a Realtor. I thought I knew service

until I had the opportunity to do business with Steve. The act that he was a Realtor or 6 years coupled with his

20 some years o lending experience means he gets it. When I send a Buyer to see Steve, I know they will get the

best loan, the best rate and very air ees. I don’t even bother to check anymore. It very nice not having to worry

about my transactions closing and very seldom do I need to call and check status. Steve is extremely proactiveabout keeping me inormed and as a matter o act, I can honestly say that most o the time he has his loan docs to

escrow a ew days early. As a Lender, I think he is probably one o the best out there.”

Todd Craword, Realtor

John L Scott Realtors

“As a Realtor, knowing my Buyers can get their fnancing is very very important to me. Almost anybody can do

the loan with regular W-2 wage earners with good credit and a big down payment; however Steve & Janey havethe skill, knowledge and experience to get the tough loans closed when nobody else can. When I send one o my

Buyers to them, I know that i the fnancing is possible, they will get it done. In addition, when they compete

with the Big Banks or the simple deals, quite oten they is able to actually oer better rates than the banks can,

and that is quite impressive. They communicate the loan progress to me without me having to hound them or an

update, which is something I appreciate. My transactions close on time and it is not uncommon or them to have

their loan papers to Escrow a ew days early. Perhaps it is Steve’s 7 years as a Realtor that lets him appreciate what

the transaction is like rom my side, whatever it is, my buyers like them and they get the job done.”

Brad Young, Realtor

Windermere Baldwin Realtors

“I have had the pleasure o working with Steve and Janey Salveson or more than 12 years. Their Borrowers are

very happy when they meet with me to sign their closing documents and have nothing but good things to say

about doing business with Steve and Janey, as do the Realtors they work with. They communicate well; know

what they are doing and their transactions go smoothly. I think Steve’s past Realtor experience coupled with many

years o Loan Ofcer experience give him a heads up on his competition. From what I have seen, their customers

get some o the best rates out there and their ees very average. Nobody is perect and not every transaction goes

smoothly, but with Steve and Janey, when an issue does come up, they are very timely in fnding a solution with-

out a lot o fnger pointing or laying blame, they just gets it done. I can tell you I would recommend their services

to anyone.”

Rita Pierson

Branch Manager

First American Title Co.



From Ifish.net, a fishing website Steve is active on

“Steve aka Fishbait is what you want in a Mortgage broker! A broker who tells you to wait....he’ll be the only one

you fnd. I have done quite a ew loans through Steve & Janey and will continue to. I have reerred a number o

riends who will say the same thing....they are the best! And will go the extra mile or you!”

“I just wanted to give props to fshbait at advanced lending. He just got us thru a very hard home purchase that

we closed on Tuesday. Very proessional and will answer any and all questions and take’s the time to explain every-

thing, He and Janey worked very hard to fnish this deal or me and it is much appreciated. I and when I go thru

this process again he will be the frst one I call or sure. “

“I recommend them to anyone that is looking to purchase or get advice on your next loan.”

“Steve i owe ya a toty the next time i see you or sure thank you I gladly approve this message ” Matt Fleming

“fshbait helped my aging parents through a very tough loan when others were trying to take advantage o them.

He is a true riend and a very up & up business man. I could not have trusted my parents to a better man! ~~

Thanks Steve!!! ~~ “Yale

“I would like to thank Steve (fshbait) and his sta or sticking with my wie and I through our home buying pro-

cess. It has been a journey to say the least! I have dealt with them or well over a year, and have nothing but great

things to say.”

“I believe that the closing o my home I sold was due to Steve helping my frst time buyer through the hurdles

o buying a home. He was able to fnesse the deal all the way to the boat! They defantly sell more than just loans,

they sell service!”

“Just a note that when you see just honest answers and an honest deal that is what you get with Steve!! I compared

him to all the radio lenders and ater he told me two years ago he could not help me I went back or a ref... His

team was AWESOME. .. We are so happy, He & Janey answered all o our questions and closed the loan with no

problems, not to mention they saved us a car payment every month,,, A nice car too. I nothing else just hear him

out, compare and choose. Your call but we are clients or as long as Steve * Janey are in business. Cheers and Tight

Lines to Advanced Lending and Steve & Janey. I hope My fsh is bigger than Yours!!!!” Jim Keepers.

“I any o you out there have contemplated either getting a new home loan or re-f, let me tell you, it’s NO cake

walk anymore. Financials, personal fnancials, tax returns, letters o correspondence supporting this or that. Be-

lieve me, unless you have the guidance necessary to push a loan through, chances are you won’t get approved.

However....I was ortunate to have Steve Salveson (aka Fishbait) on my side or a recent home acquisition and

would highly recommend his services to anyone looking or a loan/re-f. He provided specifc instructions as to

what was required and was able to guide my application through the gauntlet. (Plus, he’s a fshing ool and you

know we need to support our like kind!)” Scott



PRE-APPROVAL VS. PRE-QUALIFICATION

A Pre-Approval presents a powerul tool or you toward the purchase o your new home with minimal

surprises and disappointments. It presents you as a “cash” buyer to the seller.

Anyone who wants to buy a home today should go to their lender frst. The understanding o how much

can be borrowed presently reduces the possibility o disappointment later. The lender can provide guid-

ance as to how to prepare and position you on a home that is currently out o your reach.

A realistic understanding o how much loan you can reasonably expect to qualiy or is a good step

toward the goal o homeownership and a letter o pre approval can be the mechanism that makes that

happen. There is a distinct dierence between a letter o pre-qualifcation and letter o pre-approval and it

is important that you’re aware o this distinction.

Pre-Qualifcation means there has been loan calculations made that show how much you “may” be able

to borrow. While pre-qualifcation can reduce the processing time or home loans, indicate how much

house you can aord and provide certain leverage in bargaining power, it doesn’t necessarily guarantee

that such a loan will, in act, be made by the lender.

Pre-Approval means you have a loan waiting, subject only to fnding the home and the home appraising

at the sales price. The “pre-approval” letter represents an actual commitment on the part o the lender. In

order to secure such a letter it is necessary to complete a ormal loan application and pay the associatedees. Credit, salary and bank unds will be checked and i the loan is a good investment, the lender will is-

sue a pre-approval letter, which provides a commitment or a limited period o time, subject to a satisac-

tory property appraisal and title search.



SOME ITEMS WE MAY NEED THROUGHOUT THE LOAN PROCESS

General:Picture ID with Social Security Number.

Payment to cover appraisal ee.

Name and complete address o all landlords (past 2 yrs).

Income:Employment history or the past 2 years.

Copies o your most recent pay stubs and W-2 orms.

Verifcation o other income (social security, child support, retirement).

I you are sel-employed: Copies o signed past 2 years tax returns including all schedules,

and a signed proft and loss statement o the current year.

I you are retired: Tax returns (past 2 years).

I you have rental property income: Copies o all lease agreements.

Assets:Copies o all bank statements rom checking /savings accounts or the past 2 months.

Copies o all stock/bond certifcates and/or past statements/retirement accounts.

Face amount, monthly premiums, and cash values o all lie insurance policies

Creditors:Credit cards (account numbers, current balances, and monthly payments),

Installment loans (car, student, etc) Same details as or credit cards.

Mortgage loans (property address, lender with address, account numbers, monthly payment and

balance owed on all properties presently owned or sold within last 2 yrs).Bring proo o sale o properties sold.

Childcare expense/support (name, address, phone number).

Other:Bankruptcy - bring discharge and schedule o creditors.

Adverse credit - bring letters o explanation.

Divorce - bring your Divorce Decrees, property settlements, quitclaim deeds, modifcations, etc.

VA only - bring Form DD214 and Certifcate o Eligibility.

Retirees - bring retirement and/or Social Security Award Letter.



PROCESS OF APPLYING FOR A LOAN

Pre-Qualification and Pre-ApprovalMany buyers apply or a loan and obtain approval beore they fnd the home they want to buy. Why?

Pre-qualiying will help you in the ollowing ways:

1. Generally, interest rates are locked in or a set period o time. You will know in advance exactly whatyour payments will be on oers you choose to make.

2. You won’t waste time considering homes you cannot aord.

Pre-approval will help you in the following ways:1. A seller may choose to make concessions i they know that your fnancing is secured. You are like a cash

buyer, and this may make your oer more competitive.

2. You can select the best loan package without being under pressure.

How Much Can You Afford?There are three key actors to consider:

1. The down payment

2. Your ability to qualiy or a mortgage

3. The closing costs associated with your transaction

Down Payment RequirementsMost loans today require a down payment o between 3.5% and 5% depending on the type and terms o the loan.

I you are able to come up with a 20-25% down payment, you may be eligible to take advantage o special ast-

track programs and possibly eliminate mortgage insurance.

Closing CostsYou will be required to pay ees or loans processing and other closing costs. These ees must be paid in ull at

the fnal settlement, unless you are able to include them in your fnancing. Typically, total closing costs will range

between 2-5% o your mortgage loan.

Qualifying for the MortgageMost lenders require that your monthly payment range between 25-28% o your gross monthly income. Your

mortgage payment to the lender includes the ollowing items:

Principal on the loan (P)

The interest on the loan (I)Property taxes (T)

The homeowner’s insurance (I)

Your total monthly PITI and all debts (rom installments to revolving charge accounts) should range between

33- 45% of your gross monthly income. Tese key factors determine your ability to secure a home loan: CreditReport, Assets, Income, and Property Value.





Notes:



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