The mortgage business has changed dramatically. While there are fewer loans available now, criteria for loan approval have never been more difficult. Now more than ever you need a true mortgage professional in your corner. Denise Cuddeback Montgomery is exactly that. For over 25 years, this Lane County native has been helping families realize their dream of home ownership, providing expertise and knowledge. Rather you’re a first time homebuyer purchasing your first property or the experienced home buyer, you get personalized professional service and experience when making that ultimate dream home decision.
As a graduate of the University Of Oregon School Of Business, Denise began her mortgage banking career in 1992. Her focus also included Marketing and Accounting. This experience and knowledge gives Denise a significant advantage when “outside the box” thinking is needed for a mortgage solution.
After being promoted to Branch Manager in 1999, Denise was able to expand on her vision, creating an inviting office environment that feels like family to her team. Denise’s leadership, skill and integrity have helped to create a culture that not only attracts the very best in the mortgage business, but also encourages loyalty.
Denise has been married to Chad since 1999 and they have 2 beautiful children, Morgan 16 years old and Max 12 years old. Their family likes to be outdoors and spend time in Central Oregon. She was born and raised in Eugene where the majority of her family lives. Oh, by the way, Denise and her family are avid Duck fans. Go Ducks!
Denise’s experience and passion for the business sets her apart. For her, you are not just another mortgage; you are a family, a home, and dream.
Get an idea of what your monthly mortgage payment may be, including costs associated with your mortgage such as property taxes, homeowners insurance, and Private Mortgage Insurance (PMI), if applicable.
Recalculate your new house payment based on loan amounts, interest rates, and other factors, to see if refinancing your mortgage is a smart financial move.
Calculate how much house you can afford. Get an estimate for a mortgage amount that may fit comfortably within your budget.
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
You have questions, we have answers.
Together, we’ll find great mortgage solutions.
Schedule a talk with a mortgage advisor or leave a message. We’ll get back within one business day.