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Buffy Mercep

Buffy Mercep

Senior Loan Officer

4800 Meadows Rd, Suite 135, Lake Oswego, OR 97035
Own what matters
Own what matters

About Me

Since 2001, I've dedicated myself to becoming a trusted mortgage advisor. My mission is to guide individuals and families toward realizing their dreams of owning a home. I'm passionate about educating my clients on the intricacies of home-buying or refinancing, empowering them to make informed and financially sound decisions. Whether you're a first-time homebuyer or a seasoned homeowner, I prioritize understanding your unique circumstances, explaining available options, and customizing loans to meet your needs.

My commitment is to provide clear and transparent communication throughout the mortgage process. I want my clients to feel supported and informed at every step, ensuring a seamless and stress-free experience. My goal extends beyond a single transaction—I aim to earn your trust and become your mortgage lender for life.

I am a proud graduate of the University of Portland with a degree in business. Beyond my professional endeavors, I cherish quality time with my family and two dogs and enjoying Oregon's beautiful outdoors.

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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
4.99 out of 5.0 stars
5.0
5.0
Brooke
Jun 04, 2024
Verified

Buffy was an absolute dream to work with and I would recommend her to any of my friends or family. She helped us buy our dream home and made the whole process so easy and smooth. She did an amazing job keeping in touch with us as we relocated to Oregon and helped educate us on the process. Her communication was flawless and she worked with our realtor like a dream team. She’s amazing 😍
Casey
May 06, 2024
Verified

Everyone was super speedy and helpful!!
Theresa L
Apr 12, 2024
Verified

Buffy did a great job working with us on our mortgage. She was prompt, knowledgeable and patient as we communicated back and forth. I would highly recommend her!
Theresa
Apr 08, 2024
Verified

Buffy did a great job communicating with us!
Doug L
Apr 08, 2024
Verified

Great service! Buffy anticipated our needs!
Douglas
Apr 08, 2024
Verified

Great service. Timely response. Excellent advice.

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Awards

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Causes I'm
passionate about

causes
NMLS ID #111791
I am authorized to do business in the states of Arizona, Oregon and Washington. AZ BK#0018883; AZ BKBR# 0117159; AZ LO Lic.# 111791; OR ML-176;