Tamara L McMahan Financial Services

About Tamara L. McMahan Financial Services, LLP

When working with me at Tamara L. McMahan Financial Services, LLP you will get one-on-one customer service. I personally take care of all your needs as a borrower and listen to all your concerns. You will not be bounced from person to person. I take you through the whole process where your are in charge of from start to finish.

I try to help each borrower obtain their goals - whether it is buying a house, refinancing to get a better rate, refinancing to consolidate debt, obtain a line of credit, buying a rental or second home, adding on to their home or even building a home.

I believe financing should have some flexibility. I work with various banks and have the knowledge to know which banks to use when an exception to the rule is needed.

I work with wholesale and private lenders that think 'outside of the box'. My commitment is to better everyone I work with and to help them now and in the future.

Thank you,
Tamara L. McMahan
License #ML-3690

Loan Programs

I can offer a wide range of programs for both purchasing and refinancing. I work with wholesale and private lenders which allows me to better serve my individual borrowers needs.

I have a lot of customers that have "given up" on buying a house because they were not given the proper guidance in finding financing that met there needs. They were always under the assumption that had to have a large amount of money down. I can guide you into getting that new home you have always dreamed about with little out of pocket money.

Here are examples of loans that I have done for some of my borrowers.

Purchase of a 2nd home. In-park manufactured home. 20 year, Fixed Rate,1st mortgage, 68% LTV, No prepayment penalty. Closing cost financed (except appraisal).
Private Money- Cash-out refinance. Borrower was in the foreclosure process. 60%LTV, 30 year amortization with a 3 year balloon. 6 months guarantee of interest, interest only payments. Borrower plans on doing a Reverse Mortgage at the end of the term.
Purchase of a Double wide manufactured home on 40 acres with an apartment over shop. 2 adjacent lots with 2 street addresses. Encumbered both lots as collateral. Stated Income, 30 year, Fixed Rate, 1st Mortgage, 65% LTV. Seller did a carry back with a 76% CLTV. No prepayment penalty, was able to use value of all the acreage. Comps were far away.
Cash-out refinance of rural unimproved 2 acre lot owned free and clear. 85% LTV, 30 year amortization with a 5 year balloon, No prepayment penalty. Used proceeds to place triple wide manufactured home on the property and pay for all the improvements. Clients will later do a rate and term through a conventional means of financing.
Cash-out Refinance Log-Home on acreage. 53% LTV Stated income, comps were far away. 30 year, Fixed Rate, 1st Mortgage. No prepayment penalty.
Private Money. Refinance. Inherited the property with numerous issues. Borrower had no credit and was on temporary disability. I was able provide financing to pay off all existing liens provide clear title and gave them guidance on how to build credit so they could qualify for a conforming loan in the future.

From time to time I do unique properties such as log homes, large acreage, and rural properties with mixed zoning. I offer financing for townhouses, condos and in-park manufactured homes with a variety of terms available.

* Financing not guaranteed.

Why Use a Broker Instead of a Bank?

One of the biggest advantage of using a broker is that the broker is able to run your credit one time, then shop for loans through various banks without running your credit for each bank. Once you and your broker discuss different loan options and decide which loan scenario is your best fit, the broker then submits the information to the bank and your credit is run one last time as a quality control.

If you were to shop for a loan at different banks to find the best deal for you; each bank would have to run your credit. As you are probably aware, each inquiry can lower your credit score and effect the way you qualify.

Testimonials

Thank you Tamara, Your tag line "putting flexibiltiy back into financing" doesn't quite say it enough. You were a regular "GUMBY" on this monumental quest and I really want you to know that I understand and greatly appreciate your professionalism, interity, tenacity, dedication and extra efforts. To often I hear negative or reflected responses to offset responsibility or "point fingers" when challenges arise. You have been so professional and easy to work with under incredible difficulty and I applaud you for that and will highly recommend you when I have the opportunity. Have a great day!

- Mary Anne Lehouiller
Broker, Realtor, ABR

I've been convinced for some time that you are the best loan broker on the planet, but this last loan exceeded even my expectations. Your creativity, tenacity and good old hard work have pulled off another miracle. I guess this is proof that the impossible just takes a little bit longer at Tamara L McMahan Financial Services, LLC.

- Edward D. Carlin, Broker

It seems that rarely do we experience true customer service. I’m writing to express my sincere thanks and appreciation for how you have handled my transactions with you over the last few years. One can always find someone waving the “great customer service” flag; but the follow through usually ends in frustration and disappointment. You are the exception. I’m amazed at your creativity and enthusiasm. I am impressed with your honesty, loyalty and “we will get it done” attitude. It is further indication of your professionalism when someone like myself who has access to a mortgage broker on every street, continues to prefer to work with someone out of state. I’m sending this note to you because when someone truly has gone above and beyond; they need to be recognized. I wish you the best with your company. Please feel free to use me as a reference if the need arises.

- Pamela J. Caldero Certified Estate Planner

Tamara McMahan has done an incredible job for me in regards to re-financing, financing, and understanding the housing market in its entirety. Knowledge is power when it comes to this type of industry and I trust her abilities 100%!!! I always recommend Tamara because I know she dedicates herself to her clients and always takes care of the customer! You will have the "BEST" experience working with Tamara.

- Marie Poppa, White City, OR

When I had met Tamara McMahan, I had just purchased a house. I had no idea how I would go about taking care of the costly projects I would encounter with the purchase of a repossessed house. I was working two jobs at the time, and within a year I knew I had to start making the repairs. I was just covering my basic monetary obligations, financially. After having several honest conversations with Tamara I began seeing the light as far as refinancing my home loan; being able to consolidate one mortgage and a second short term mortgage; pay off unwanted bills; getting the house appraised to know its' value, and having her help me figure out what I could tap money wise, as far as the equity in the house. These transactions, with her aid and guidance, went so smoothly, and now a year later I have been able to complete the maintenance of the house. The house looks like what its' appraised value is, and I am so happy! Besides, the financial benefit to me of Tamara's brokerage firm, I know I have a life time friend that I can as any business related question. She has the answers. Thank you, Tamara, from my heart.

- Kathleen I O'Marro

I had a very difficult sale of my property due to the buyer of my home changing jobs just prior to being funded by his bank. This caused all kinds of problems for the sale of my home, the purchase of my new house, and moving arrangements. Tamara worked hard on getting it to all come (back) together and even located a new moving company that could move me on time when I had to reschedule my move and was told that the next date was weeks out.

- Michael and Deinna Papp, Grants Pass

We want to thank you for helping us on purchasing our first home. We had bad experiences in the past and gave up, you made the process quick and as painless as possible. Our family thanks you and will always recommend you to everyone we know. We look forward to working with you in the future!

- The Thomey's, Medford

Dear Tamara,
Thank you for your continued efforts to make our business transactions work out so smoothly. We have been doing business with Tamara L. McMahan Financial Services, LLP for quit a long time now. I look forward to working with you on my future transactions, in part, because I know that you care about trying to help my clients, and in part, because I know that it will be done right. The professional workmanship provided by your company is something that we appreciate and have come to expect.

- M.E. Greif, President, Westco Investment Brokerage, Inc.

Tamara L McMahan
Financial Services, LLP, License #ML-3690
1014 Havenwood Drive - Eagle Point, OR 97524
(541) 890-2321 - email