Joshua Pairan
Mortgage Sales Manager – Profesional Center
Email Joshua
(503) 779-1561
NMLS 318424
“Buying a home should be exciting! Getting a home loan shouldn’t. When you peel away the gimmicks and all the nonsense, above all things, you need to make sure you trust and value the person sitting at the table with you.”
Sales and service in the mortgage industry have been a fundamental part of my life since 2006. Having seen so much change over the years, I moved to Maps Credit Union back in 2017 to make a difference. Here I have the opportunity to cultivate a team that prioritizes the member experience and doing what is right over simply “closing deals.” I help Maps, and I live out the mission: Every Member Benefits.
When I’m not leading my team, you can find me playing basketball, golfing, or hanging out with friends watching football. I love reading, working in my yard, and spending time with my family.
If I wasn’t a Mortgage Sales Manager at Maps, I think I would be a special agent for the CIA. I could be out doing covert missions in exotic countries, and nobody would suspect a thing, but call me 008!
Mortgages
Swipe left to scroll table.
| 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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