Mortgage Information

_TW24876 - Copy - Copy (2)Congratulations on your choice in a Master On Main Home. Whether you’re looking for an existing home, newly constructed home or building your own Master On Main Home, I’d be happy to assist you on your journey. Whatever your reason for seeking a Master On Main Home, whether you’re downsizing, upsizing or just tired of stairs, finding the right home and the right home financing go hand in hand.

I’m a firm believer in listening to my customer’s goals so that I can guide them every step of the way and help them find a home financing solution which works for their needs. With a reputation as a determined and hard worker, my goal is to make each transaction an enjoyable experience for everyone who is a part of it. The key to that is my commitment to open communication every step of the way throughout the process and beyond.

Thinking about building? If you’re consider building your home from the ground up, I understand how important it is to provide solutions for my customers seeking a smooth home building and buying process. When it comes to new construction financing, it’s even more critical for you to work with a lender who is committed to helping you navigate through the complexities. With our One-Time Close loan, just one loan will buy the lot, provide construction financing and then convert into a permanent mortgage. The benefit is one set of closing costs and after the construction period, the loan converts automatically to permanent financing.

For a newly built home, I can work with you to find the ideal loan product from an array of choices that will fit your needs. Plus, I have a lot of ideas and the resources to help more buyers qualify.

If you currently have a home and are looking to purchase right away, consider a loan recast. Recasting a loan involves applying a lump sum of money to the unpaid principal balance of a conventional loan resulting in lower monthly payments. You can also cancel private mortgage insurance if you reduce your loan balance at or below 80% of the original value*.

With a recast modification, qualified borrowers may be able to purchase a new home without having to sell their current home first. Once the old home sells, the money received from the sale is applied toward the principal balance of your new loan. The new home loan is

re-amortized based on the new loan amount and monthly payments are reduced.

*Available on conventional loans only that are serviced by Evergreen Home Loans. To cancel private mortgage insurance, certain conditions apply.

Whether you are purchasing or refinancing, you can count on the experience of Evergreen Home Loans to have your best interests at heart.

For more information or to get started, click on the links below.

Link to Paul’s Mortgage Calculator

Link to Paul’s Pre Approval Page

Link to Smart Phone App

Contact me at:


Paul Girard
Mortgage Loan Originator / NMLS # 1278443

Cell Phone: 360-852-5485
Office Phone: 360-553-7046

204 SE Park Plaza Dr., Ste.105
Vancouver, WA 98684

Branch NMLS 9043



Evergreen Home Loans and Joe Bjorklund are not affiliated.

© 2016 Evergreen Home Loans is a registered trade name of Evergreen Moneysource Mortgage Company® NMLS ID 3182. Trade/service marks are the property of Evergreen Home Loans. All rights reserved. Licensed under:  Washington Consumer Loan Company License CL-3182.