James Adair

Mortgage Advisor at NEO Home Loans powered by Better

Call

Call(503) 957-8315

Message

Message(503) 957-8315

Email

Email[email protected]

Schedule

Schedulejamesadair.youcanbook.me

Apply

Applyhomeownership360.info/apply

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James Adair and Neo Home Loan Buyer Process

James Adair and Neo Home Loan Buyer Process

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The Neo powered by Better - Buyer Process

How we deliver a memorable, valuable mortgage experience to help buyers make great decisions, get competitive offers accepted at a higher rate, and achieve long term home ownership success

1. Consult

This is where the journey begins.

We'll meet to understand your goals, break down your budget, and then create a game plan.

2. Approve

We move from pre-qualification to full approval.

Here, we eliminate surprises, finalize your financing, and build confidence to shop smart.

3. Shop

Time to tour homes with confidence.

You’ll receive your personalized Buyer Pass (Apple Wallet-ready), confirming your approval and representation.

4. Offer

You’ve found the one—now it’s time to write the strongest offer.

We’ll review the terms, price, buydowns, closing costs, and agent compensation.

5. Post Close

Homeownership BEGINS at Closing.

We’ll help track your equity, update your goals, and plan for refinances or move-up options.

Partnering with our Post Close- Client Success team will pro-actively guide you to our local partners regarding:

Insurance Review
Tax Planning
Estate Planning
Property Maintenence

We deliver this through our Annual Mortgage and Real Estate Review meeting.

Buyer Consultation

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Buyer Approval

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Buyer Pass

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Buyer Offer

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Buyer Post Close

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Schedule a Call with James

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“Very good communication. Videos helpful”

D

doreen w

“James was quick to respond, had great solutions to problems, was personable and professional, went above and beyond in an effort to make sure our transaction went smoothly.”

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amy r

“Quick and responsive.”

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william b

“James Adair & his team of experienced mortgage professionals made the purchase of my new home (out of OR State) a true success. Their on-point communication via email and phone between me and the Escrow company was extraordinary throughout the entire process. His team answered all of my questions and concerns …..and I had many! Due diligence was executed every step of the way. With the best percentage rate secured just in time and their entire documents processed one week earlier than Escrow had originally projected, I definitely chose the right team for guidance and getting the job done. Yes, I highly recommend James and his Sierra Pacific team.”

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susan b

“James was always quick and generous with answering my many questions and analyzing different scenarios for my loan.”

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aaron g

“Great communication and energy. Open, honest, trustworthy. Appreciate this team.”

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evan l

“Awesome team and great communication and expertise”

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nicolas k

“Good communications.”

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laurence q

“My situation was quite complex, and I do think James offered great, personalized support throughout and worked very hard to make it work in the end. It's hard to say "Great", though, when there was more than one instance of mistakes in numbers during underwriting (either missed hand-offs or by the underwriter - I don't know, of course) - perhaps just bad luck, given we're all human, but it took everyone extra time to compensate. It also stung a bit to realize how much profit had been baked into the points I was buying to get my rate down, though I value James and recognize you all must be able to make some profit! Jessica also seemed excellent, as always (this was my second SP loan), and of course I'm not sure what others may have been doing behind the scenes. James and Jessica were always smart, efficient, and great to work with, though, regardless of any bumps in the road!”

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laura r