Sharon Whittemore
Mortgage Loan Officer – Monmouth Branch
Email Sharon
(503) 779-1837
NMLS 776181
"Like in so many aspects of life; what ends up mattering, above all, is the relationship we are able to earn and keep that end up meaning the most."
I've had the pleasure of serving my neighbors in the mortgage industry for over 30 years now. I joined the Maps Credit Union team in 2017, and they've given me the opportunity to do what I do best; help families reach their goals. I enjoy the entire mortgage loan process, and I'm invested in helping create a great outcome from beginning to end for each and every client who trusts me to help them. My commitment to listening, executing; and following through is unwavering.
When I'm not helping borrowers, you may find me crafting, scrapbooking, or making cards. I enjoy spending time with my husband, granddaughter, and my entire family.
If I wasn't a Mortgage Loan Officer here at Maps, I think I would work in the schools teaching crafts to the children. It is a great mix of two things I love.
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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