Tracia Larimer
Mortgage Broker 

NMLS# 1507306


Bend, Oregon

Azara Mortage, LLC
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A Larger Toolbox Gives Me More Ways To Say "YES"!

The Sacredness of Home

Having the right mortgage is essential to your financial and emotional needs, and to securing your haven.
 
Home is our sacred place that holds us with steadfastness in our most tender moments. Its walls, to which we return after a full day of work, play or travel, hold our secrets, our joys and our sorrows.  It’s a place where friends and family gather in good times and bad.  Feeling safe in our home is critical  to our physical, financial and emotional needs.  
 
So it’s a real privilege to help you with your home mortgage.  Thank you for your trust.   
  

  
Let’s Get You the Mortgage You Need 

  
If you have great credit, I’m here to help you secure the most advantageous mortgage for your particular situation.

But don’t let a low credit score deter you from homeownership or a refinance. Even though you might not qualify for a conventional mortgage, I have programs available that can help your financial recovery.
  
Either way, I will work with you in a way that makes you feel secure, respected and understood. 
If you're a real estate investor and using real estate to build wealth then it's especially important that you have access to the best and most competitive loan programs. This is where I can help. 

Purchasing a New Home

Refinancing An Existing Mortgage

 Thinking about buying a new home? How exciting! 

Typically, buying a new home represents the beginning of many changes in our lives. Perhaps a new school for your children, the cultivation of new and dear friendships as you settle into your neighborhood, or simply a new route to work. No matter what, changes abound.

The folks Down Under refer to moving as shifting, a term that I have always felt is appropriate as the new move will take our lives in different directions, often opening up new opportunities and adventures.

Whether you want to move to a new home, buy your first one or want to get back into homeownership despite some credit hiccups, there’s a good possibility I have a loan program for you that will get you happily moved into your new home!

Maybe you’re considering purchasing an investment property, which when managed well can be an excellent path to gaining wealth. 

If you have an interest in purchasing your first or adding to your investment portfolio, most likely I have a loan program for you since I handle both conventional and non-conventional options including no-income-stated and no-income-verified types of mortgages.

Through my network of competitive lenders, I am not only able to offer the conventional home buying programs, I also have options that fall outside the normal guideline requirements.

  • Conventional Home Mortgages
  • Jumbo Home Mortgages
  • FHA / VA / USDA
  • SFR and Investment Properties
  • Programs for Buyers with Past Credit Hiccups
  

There are many reasons why you might want to refinance your existing mortgage.

You might want to:
  • Lower your interest rate and monthly payment.

  • Give yourself a fresh start and get out from under credit card debt.

  • Or simply increase your cash reserves.

Whether you want to refinance a primary residence or an investment property, we will explore interest rates and terms as well as the cost effectiveness of the refinance, along with other options worth exploring.

Investment Property

​​If you are considering purchasing an investment property, when managed well these can be an excellent path to gaining wealth. 

If you have an interest in purchasing your first or adding to your investment portfolio then most likely I have a loan program for you, with both conventional and non-conventional options including no income stated and no income verified type of mortgages.
Example of A Non-Conventional Investor Program

  • No Income,
  • No tax returns,
  • No Employment,
  • No 4506 required and unlimited properties.

You may have a higher interest rate, more points, or more fees than other products, sometimes these programs provide a solution and fill a niche than cannot be filled with conventional guidelines.
  

Outside the Box Loan Solutions

Financing options for Outside the Box situations, although for these programs you may have a higher interest rate, more points, or more fees than other products, sometimes these programs provide a solution and fill a niche than cannot be filled with conventional guidelines.
  

Examples of Outside the Box

  • Mortgages for self-employed borrowers who show more expenses than income on their tax returns can qualify with cashflow or a recent profit and loss statement as proof of income rather than conventional income documentation. 

  • Bridge loans 

  • No income verified

  • Financing for foreign nationals

  • Financing for unusual properties

  • Non-warrantable condo's