Pacific Residential Mortgage, LLC

My husband and I recently considered buying a large piece of property. What we did not realize is that loans for this type of property are not available through all mortgage companies. A friend of mine referred me to Tim McBratney with Pacific Residential Mortgage and we sat down with him to talk about our options. What a great guy! Tim has been in the business for many years, so he knows everything about the process and can get your loan processed faster than anyone I’ve heard of before. All the processing is done in-house, which saves a lot of time not having your documents shipped all over the place and waiting for it to return. He was also very honest with us about the entire process and what we could expect. We ended up deciding not to buy the property, but we will certainly go back to Tim when we are ready to make our next home purchase.

Tim McBratney really found what I needed. Whenever I look for someone to provide any kind of service, I always want to work with someone who has my best interests in mind. Pacific Residential Mortgage and Tim McBratney do just that. From the receptionist to the final appointment with Tim, I never felt like I was working alone and I felt like I was really working with a family business. Tim created an atmosphere that made me feel comfortable and at the end of the day gave me the best possible advance regarding my mortgage. That had to come from his years of experience and constant education about what is changing in the mortgage world. Pacific Residential didn’t just right me a loan; they provided top notch service and advice.

I met Tim McBratney at Pacific Residential Mortgage and was impressed by his 30 years of experience in the industry. He is able to clearly communicate technical financial subjects into easy to understand terms. Tim is passionate about being an advocate for his clients. Anyone thinking of buying a new home or refinancing their current home really should talk to Tim. He strives to offer clients the highest level of service and support through the entire loan process. Tim McBratney is patient, through, and competent; if you are looking for an expert in the industry, Tim from Pacific Residential Mortgage is certainly the person to meet and work with.

After just 30 minutes of talking with Tim McBratney at Pacific Residential Mortgage, I had a sound understanding about reverse mortgages and now I feel prepared to begin a conversation with my family members. Tim demonstrated trustworthiness and patience as he listened for what I needed. With 30 years’ experience, Tim has learned how to make the most of the complicated lending industry and communicate it in a way that anyone can understand. I highly recommend Tim to anyone seeking a clear, objective, no-pressure approach when considering a reverse mortgage.

It is no secret that the economy has been challenging in the last year. One of the industries hardest hit has been the real estate market. That makes buying a new house much more complicated than ever before. It used to be so easy. Just call an agent, look at everything you liked in the neighborhoods where you wanted to live and call your banker or broker and get a loan. Now, as I have learned, you need to prepare even before you start looking. Thank goodness I met Tim McBratney. When he found out my husband and I were house hunting he asked if we had been “pre-approved” for financing. Huh? Yes, your real estate agent or even the buyer may ask you if you have been “pre-approved” before they will show you property and certainly before they will write or sign an offer. As Tim informed us, not everyone has the credit they think they do and the rules have changed in what now qualifies a buyer for financing. The good news is I did find Tim and he knows all there is about pre-approval (and so much more). It can make this complicated process simple. He will be your advocate. He will hold your hand from application to loan closing. [BTW...this guy has quite a pedigree! He has been in the business for many years in a variety of markets but is a specialist in Portland. I was impressed.]

We refinanced our home last month using Tim McBratney and his company Pacific Residential Mortgage. The service that they provided for us was wonderful. Tim actually sat at the table with us when we signed all the documents. That was a first. Talk about service!

As either a buyer, or a seller, my wife and I have been involved in 6 escrow deals over the years. Tim and his team were persistent in asking us for information that they needed to finish the deal. They were professional and very competent in all aspects of our deal. And lastly, the thing I appreciated about Tim the most is how patient he was with me when I got a little cranky about all the verification of funds that lenders require. He was very patient with me.

If you’re considering a new mortgage, do yourself a huge favor and work with Tim and his team at Pacific Residential Mortgage; there is none better.

Tim McBratney recently refinanced my sister’s home and ended up saving her tens of thousands on her mortgage, so I thought I would pick his brain about the possibility of purchasing a piece of property. I am impressed with how quickly he responded and how knowledgeable he was. I had some pretty specific tax and liability questions and he set me up with an expert who was able to answer all of my questions. The best part is that he didn’t guess and he gave me the right information so I can make an informed decision. Tim takes his job seriously and I highly recommend him for your mortgage needs.

Tim McBratney did a refinance on our home, and it was the easiest and fasted process ever. At first glance, he wasn't sure a refinance would be worth it for our situation since we had refinanced not too terribly long ago, but he quickly did some more research and within a couple hours found out that we could actually save over $20,000 by refinancing (after taking out closing costs!). His directions were so clear and he was totally on top of it. He is also very trustworthy which is critical with something as important as securing a mortgage loan or refinance. My husband and I are SO glad we had Tim do this for us!