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Sari Esnard

Sari Esnard

Senior Loan Officer

818 Commercial St, Suite 102, Astoria, OR 97103
Own what matters
Own what matters

About Me

Since 2016, I’ve been assisting Oregon Coast and Southwest Washington families in achieving homeownership. My approach involves listening, educating, and guiding new clients. I’ve had the privilege of working with a diverse range of clients, including first-time homebuyers, return borrowers, and investors. When clients work with me, they can expect a seamless and successful transaction.

Growing up in Astoria, I developed a passion for helping others achieve prosperity through home ownership. Being part of the journey, especially for first-time home buyers, is an honor. Currently residing in Warrenton, I actively participate in the Assistance League of Columbia Pacific and cherish quality time spent with my family. Whenever the weather allows, you’ll find us biking, hiking, and relishing the great outdoors.

This community holds a special place in my heart, and I eagerly anticipate assisting you in finding your ideal home here.

 

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.93 out of 5.0 stars
4.93
Patricia
Oct 17, 2023
Verified

She knew a lot about different things. She is easy to work with as I'm not knowledgeable in so many of these things, she had to explain slowly so that I would understand. She is right on the spot with so many aspects of her job! Always had an answer for me, if not; she found one very quickly! I would consider her as a best friend outside of her work place. I really, really like her as a person/ not just at her job, only. She has helped me in many ways. It was always fun talking to her within her job and after hours, too...... She is a very pretty young woman, who dresses appropriately and gets her job done with great experience and intelligence, She is so capable of doing her job correctly. She was very much a Pleasure to work with. Thank you for having her as one of your staff members!! Patricia L.
William
Oct 19, 2022
Verified

It was so nice and easy,thanks everyone for a great job
Michael D
Oct 19, 2022
Verified

Sari was professional and had very good communication. I look forward to working with Sari. She's amazing.
Kristen B
Sep 17, 2022
Verified

It was a pleasure to work with Sari! She is knowledgeable and responsive to every call. I appreciated that she kept me updated on every phase of my clients loan process. I will definitely recommend Sari to my clients in the future. Kristen Benton
David
Sep 17, 2022
Verified

Sari was helpful, pleasant and made everything go smoothly. This is the second time I've dealt with her on a home purchase. Highly recommend her.
Paul M
Sep 15, 2022
Verified

Sari, was always available and her attention to detail was great.

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Awards

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Causes I'm
passionate about

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NMLS ID #1595039
I am authorized to do business in the states of Oregon and Washington. OR ML-176;