Fred Chamberlin, Oak Harbor/Whidbeynulls, #1 Experienced FHA Mortgage Consultant (Guild Mortgage Co - Oak Harbor WA) Mortgage and Lending



Fred Chamberlin
Oak Harbor/Whidbeynulls, #1 Experienced FHA...
location_on Oak Harbor, WA — Guild Mortgage Co - Oak Harbor WA
Get to Know Fred Chamberlin

I have been in the mortgage business for over 20 years and working in the Eugene/Springfield area for more than 15 years before relocating to Oak Harbor WA. I am a native Oregonian and a specialist in Government Lending Products. I am a Vietnam era veteran and work hard for my comrades in arms to help them find suitable financing.

At Guild Mortgage Company, we are not just concerned with placing you in a loan; we are concerned with matching your needs with the right loan at the right price. I can currently offer loans in Oregon and Washington. NMLS 3274 WA-CL 3274/MLO 271072

I am available to meet with people almost anytime, weekday or weekend. The thing I sell is my time and my knowledge.

I live in Coupeville and am a recent widower. I share my home with my son, daughter-in-law, two grandchildre and three dogs. I am available to meet with people almost anytime, weekday or weekend. The thing I sell is my time and my knowledge.

2008 Springfield Board of Realtors Affiliate of the Year.


I am a government loan specialist. I was doing FHA loans when everyone else was promoting sub-prime loans because sub-prime was easier. I work with all phases of FHA, purchase and refinance. With the new FHA reverse mortgages coming on line and the FHA Secure for those that got in difficulty with sub-prime loans, this makes quite an arsenal. FHA loan limit in Lane County was  raised (temporarily) to $343,750. Cash out refinances are available up to 85% loan to value.

I also offer the Streamline FHA 203K that is ideal for bank owned and foreclosed properties. It allows repairs to be done after closing. This is also good for purchase or refinance transactions. The FHA Reverse Mortgage will also be available for real estate purchase transactions.

I also highly promote VA loans for those that qualify. With the new requirements, this means that only 3 months active duty are required to qualify for an VA loan. These are available with no down payment up to $417,000. Cash out refinances are available up to 90% loan to value.

The only other true 100% purchase product at this time is the USDA Rural Guaranteed program. This is income and location driven. Give me a call and we can qualify your income and discuss areas this is available. Island County qualifies for this program. The USDA Rural Program is available to 100% financing for homes outside the urban growth boundries of Oregon and Washington's major cities.

I also like closing easy conforming loans as a change of pace. LOL

I also offer training for Realtors in several areas of mortgage lending. One of my most requested training is in FHA lending. My powerpoint and question and answer delivery has been very well received.


I am a Sr Mortgage Consultant with over 20 years in real estate lending. I specialize in FHA & VA. I am licensed in OR & WA. MLO 271072. NMLS 3274. Guild Mortgage Company