Doug Ecclestone
Mortgage Loan Officer – Professional Center
Email Doug
(503) 779-1306
NMLS 2248554
“I love being able to apply my knowledge of lending to help members with their home loan needs. I strive to make the process fun and with as little stress as possible.”
The key to my success over the last 13+ years in banking has been my ability to listen. I joined Maps Credit Union back in 2017, and they have helped me flourish in all of my roles by knowing what is important to me. Listen, understand, then be able to explain things back to a member so they can understand and not feel lost in the transaction is what makes us all successful. I pride myself on finding the right loan program to meet their needs and goals.
When I’m not helping borrowers, you may find me camping in the forest or at the dunes with my two wonderful daughters. I grew up bowling and playing football and still enjoy the occasional game of chess.
If I wasn’t a Mortgage Loan Officer here at maps, I think I would be an FBI profiler. Then I’d retire and become a season ticket holder for the Green Bay Packers while I live out the rest of my life camping, fishing, and spending time with family.
Mortgages
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| Program Name |
Rate |
APR |
Points |
Payment |
|
| 15 Year Fixed (Conforming) |
5.875% |
6.012% |
0.000% |
$2,929.91 |
|
| 30 Year Fixed (Conforming) |
6.250% |
6.335% |
0.000% |
$2,155.01 |
|
| 30 Year FHA |
6.000% |
6.616% |
0.000% |
$2,098.43 |
|
| 30 Year VA |
6.125% |
6.355% |
0.250% |
$2,126.64 |
|
| 30 Year USDA Rural Home Purchase |
6.500% |
6.908% |
0.000% |
$2,212.24 |
|
| Zero Down 20 Year Fixed |
6.125% |
6.244% |
0.375% |
$2,532.81 |
|
| Educator 100% 30 Year Fixed |
7.625% |
7.710% |
0.250% |
$2,477.28 |
|
The rates listed above are for a purchase loan amount of $350,000 and assume a 740+ credit score. Please reach out to a Mortgage Loan Officer for a specific rate quote. Refinance Rates can be higher than what is listed here.
Rates good as of 3/29/2023 and are subject to change without notice. Rates may vary depending on each individual’s credit history and underwriting factors. All loan applications are subject to credit and property approval.
Payments shown are Principle and Interest Only and do not include any required mortgage insurance or any financed fees for government loans which may increase the mortgage balance and payments.
The APR for 30-Year FHA includes the Upfront Mortgage Insurance Premium of 1.75% of the balance. The APR for the 30-Year VA includes an estimated function fee of 2.3%. The APR for the 30-Year USDA includes the guaranteed fee of 1%.
Zero Down
New purchase only. Maximum loan amount is based on FHA loan limits (ex. Maximum in Marion County is $483,000) . Property must be a single-family residence and located in Oregon. Mortgage Insurance and Escrow are required. Minimum contribution to cover fees and the appraisal must be the greater of $1000 or 1% of the purchase price.
Educator 100%
New purchase only. Maximum loan amount is based on FHA loan limits (ex. Maximum in Marion County is $483,000). Property must be a single-family residence and located in Oregon. Escrow is required. Loan-to-Value may not exceed 100 percent. Borrower responsible for appraisal and closing costs. 15-year and 30-year term available.
| Origination (0.125% of Loan amount based on $350K) |
$437.50 |
| Admin, Processing |
$1,145.00 |
| Flood |
$0.00 |
| Credit Report |
$0.00 |
| Appraisal |
$775.00 |
| Escrow |
$987.50 |
| Recording |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$0.00 |
| Title Endorsements |
$100.00 |
| Origination (0.125% of Loan amount based on $350K) |
$437.50 |
| Admin, Processing, |
$1145.00 |
| Flood |
$0.00 |
| Credit Report |
$0.00 |
| Appraisal |
$775.00 |
| Escrow |
$987.50 |
| Recording |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$0.00 |
| Title Endorsements |
$100.00 |
| Origination (0.00% of Loan amount based on $350K) |
$0.00 |
| Processing (Underwriting) |
$1,050.00 |
| Flood |
$14.50 |
| Credit Report |
$0.00 |
| Appraisal |
$905.00 |
| Escrow |
$912.50 |
| Recording & Reconveyance |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$75.00 |
| Title Endorsements |
$100.00 |
| Upfront Mortgage Insurance |
$6,125.00 |
| Origination (0.125% of Loan amount based on $350K) |
$437.50 |
| Admin (Underwriting) |
$950.00 |
| Flood |
$15.50 |
| Wire + MERS |
$0.00 |
| Appraisal |
$825.00 |
| Escrow |
$875.00 |
| Recording & Reconveyance |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$0.00 |
| Title Endorsements |
$100.00 |
| VA Funding Fee - First Use |
$8,050.00 |
| Origination (0.000% of Loan amount based on $350K) |
$0.00 |
| Admin, Processing |
$1,145.00 |
| Flood |
$0.00 |
| Credit Report |
$0.00 |
| Appraisal |
$850.00 |
| Escrow |
$875.00 |
| Recording & Reconveyance |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$0.00 |
| Title Endorsements |
$100.00 |
| Upfront Guarantee Fee |
$3,500.00 |
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