Who Tu Serves
Tailored guidance for every Clackamas borrower
As a neighborhood mortgage broker serving Clackamas, OR, Tu Phan helps first-time buyers, move-up families, veterans, and refinance clients feel prepared at every step.
First-Time Buyers
Navigate 3% down options perfect for condos near Sunnyside or townhomes in Happy Valley.
Move-Up Buyers
Coordinate contingent offers and bridge strategies for West Linn, Lake Oswego, or Oregon City moves.
Veterans & Active Duty
Secure VA benefits with fully underwritten approvals that win Clackamas County bidding wars.
Refinance Clients
Restructure payments or tap equity with advice grounded in local rate trends and timelines.
What Tu Does
Full-service mortgage lending in Clackamas County
Tu delivers purchase loans, refinancing, VA and FHA financing, 3–20% down conventional options, jumbo loans, and county-specific programs, all tailored to Clackamas County property values and underwriting nuances.
VA Home Loans
Competitive strategies to help service members win offers near Clackamas Town Center, Oak Grove, and Oregon City.
FHA Home Loans
Flexible credit guidelines plus low down payments for buyers targeting Milwaukie bungalows or Damascus acreage.
3% Down Home Loans
Personalized low-down strategies for first-time buyers across Happy Valley, West Linn, and beyond.
5% Down Home Loans
Balance affordability and speed with tailored plans for Clackamas County townhomes and single-family homes.
10% Down Jumbo Loans
Tailored financing for Lake Oswego waterfronts and Stafford acreage with proactive underwriting support.
20% Down Home Loans
Maximize equity and minimize PMI with plans tailored to established neighborhoods like Oak Grove and Beavercreek.
Local Trust Signals
Meet in Clackamas or online, your choice
Meet Tu at 12891 SE 97th Ave, Clackamas, OR 97015 or schedule a virtual consult. Clients value his quick response time, transparent guidance, and familiarity with local HOAs, school districts, and appraisal partners. Call (503) 765-1765 anytime to speak with a real person, not a call center.
Google Reviews
5.0 / 5.0 (35 reviews)
“Tu guided us through a VA loan in Oregon City and closed in 18 days. Neighbors said it couldn’t be done.”
Marcus R.
Popular Loan Programs
Clackamas mortgage options tailored to your goals
From VA and FHA to jumbo loans, Tu’s recommendations are grounded in Clackamas County pricing, appraisal expectations, and underwriting nuances so you can move forward decisively.
- VA Home Loans in Clackamas County
- Competitive strategies to help service members win offers near Clackamas Town Center, Oak Grove, and Oregon City.
- FHA Home Loans
- Flexible credit guidelines with low down payments for Milwaukie bungalows or Damascus acreage.
- 3%–20% Down Conventional Options
- Personalized plans for first-time and move-up buyers across Happy Valley, West Linn, and beyond.
- Jumbo Loans
- Tailored 10% and 20% down jumbo financing for Lake Oswego waterfronts and Stafford acreage.
Education Spotlight
Clackamas mortgage guides
Stay empowered with locally focused guides covering financing steps, down payment assistance, and refinance checklists.
Guide
Refinance Closing Costs
See what fees to expect in Clackamas County and how Tu structures no-cost options.
Read the guide →Guide
Is a 1% Drop Worth It?
Compare break-even timelines and monthly savings before you lock a new rate.
Read the guide →Guide
The 2% Rule Myth
Learn why today’s loans rarely need a full two-point drop to make refinancing worthwhile.
Read the guide →Process Timeline
Clear steps from call to closing
Tu’s local team keeps underwriting, appraisal, and funding on schedule so you can celebrate without surprises.
- 1. Discovery Call: Review goals, budget, and Clackamas neighborhood preferences.
- 2. Pre-Approval: Receive a fully underwritten approval letter that gives sellers confidence.
- 3. Offer Strategy: Align rate locks, credits, and closing costs tailored to the property.
- 4. Smooth Closing: Celebrate while Tu’s team coordinates final disclosures and funding.
Client Voices
“Tu helped us secure a VA loan in Oregon City and closed in 18 days,neighbors kept saying it couldn’t be done.”
“We upsized to West Linn and Tu mapped out a 10% down jumbo loan that fit our budget perfectly.”
“I refinanced my Milwaukie home with Tu and shaved years off my mortgage. The process was stress-free.”
FAQs
Clackamas mortgage broker answers
What programs does a mortgage broker in Clackamas, OR offer for 3% down?
Tu connects buyers to 3% down conventional loans, HomeReady, and other local programs that fit Clackamas County income and property limits.
Can Tu Phan help me refinance a Clackamas home quickly?
Yes. His Fairway team handles document collection, appraisal scheduling, and rate-lock timing so refinances often close in under 30 days.
How do VA buyers compete in Clackamas County bidding wars?
Tu issues fully underwritten VA approvals, coordinates appraisal gap strategies, and communicates directly with listing agents to highlight strong terms.
What documents does a Clackamas mortgage broker need for pre-approval?
Expect to upload pay stubs, W-2s, tax returns, bank statements, and ID; self-employed borrowers provide profit-and-loss statements. Tu’s secure portal keeps everything organized.