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Portland Oregon Buyer's Agent
Mary Anne Lehouiller
Principal Broker
Accredited Buyer Representative
Oregon License 200505214
Mobile/Text:    541-435-0000

Portland Oregon Buyers Agents
Eric A. Lehouiller

Broker - Manager 
Choice Listing Agent
Oregon License 201215375
Mobile/Text: 503-957-7497

Oregon Choice Group
Office: 503-388-6848
Fax:     844-388-6848
Office Email: oregonchoice@gmail.com

Office Address  - By Appointment Only 
1800 Blankenship Rd., Suite 206
West Linn, OR 97068

Mail/Courier Address 
10117 SE Sunnyside Rd., Suite F-540 
Clackamas, OR 97015

Loan Estimate vs Closing Disclosure

Comparing Your Loan Estimate to Your Closing Disclosure Form

Closing on a house is an exciting end to the home buying process! There’s also a lot of paperwork involved and it can be confusing. Do you know what the difference is between a loan estimate and a closing disclosure form? That’s okay if you don’t; I’m an Accredited Buyer’s Representative (ABR®) and I’m here to help you every step of the way including helping you review the Loan estimate to the Closing Disclosure to make sure your mortgage terms and conditions haven’t changed.

The Closing Disclosure form tells you (among other things):

  • If there is a prepayment penalty
  • If the loan has a demand feature (which would force you to pay off the loan early)
  • If there are any balloon payments in your future
  • The full cost of the loan (and total interest to be paid)
  • Which figures have changed since the Loan Estimate form, and why
  • What your escrow payments will be and what they cover
  • How much real estate agents are being paid
  • If partial mortgage payments are permitted
  • If a negative amortization situation can occur with your loan

Read More




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Federal Fair Housing Act

We all lose when potential homebuyers or renters are turned away, not because of their ability to pay, but because of their race, national origin, skin color, sex, religion, familial status or because of a disability. Learn more about Fair Housing and Equal Opportunity

The information included is made available with the understanding that Oregon Choice Group is a Real Estate Agency and is not engaged in rendering legal, accounting, or other professional advice or services. If legal advice or accounting services or other expert assistance is required, the services of a competent professional person should be sought. The material contained herein is not a substitute for the advice of an attorney or other professional person(s). All information deemed reliable but not guaranteed. Listings are subject to errors, omissions, changes in price, prior sale, rental, and withdrawal without notice. All data and information set forth on this website regarding real property, for sale, purchase, rental and/or financing, are from sources regarded as reliable. No warranties are made as to the accuracy of any descriptions and/or other details and such information is subject to errors, omissions, changes of price, tenancies, commissions, prior sales, leases or financing, or withdrawal without notice. Square footages are approximate and may be verified by consulting a professional architect or engineer.

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