Your Mortgage & Refinancing Questions Answered

When should I refinance my home?

Ready to save big on your monthly mortgage payments? Refinancing may be the way to go, especially if current rates are 2% lower than what you're paying now. Even a 1% rate reduction can add up in savings over time! Your lender is here for you, helping determine whether and how much refinancing could work for your income, budget and loan amount—allowing more money in pocket each month!

What are Points and how do they work?

Points are fees charged by lenders to lower the interest rate of a mortgage loan - 1 point equals 1% of the total amount borrowed. For instance, if you get a $100,000 loan and purchase one point, this payment will be equal to $1,000. Whether discount points make sense for your situation depends on several factors including how long you plan to stay in your home as well as current market rates.

Should I pay Points to lower the cost of my mortgage?

If you are looking to stay in your property for the foreseeable future, consider paying points on a loan – this could drastically lower your monthly payments and increase how much of an investment you can make. Keep in mind though that if short-term residence is more fitting for you, it may not be worth covering the cost of discount points up front due to reduced savings over time.

Lock In Your Interest Rate and Reduce Stress

Home buying can be a stressful process and many homebuyers want to avoid surprises at the end of it. Fortunately, there is an option that can help protect homebuyers from unexpected rate hikes in mortgages - locking the interest rate. When homebuyers choose to lock in their loan's interest rate, with a lender’s approval, they are guaranteed that rate for a specific period of time despite any potential fluctuations in the market. This way homebuyers have peace of mind that when it comes time to close on their home purchase the mortgage payment won't be higher than expected.

How Does a home appraisal work?

If you're home-buying and talking to your lender about mortgage options, chances are you'll come across the term 'appraisal'. They are a professional estimate of a home's fair market value, used by lenders to ensure that mortgage loan amounts don't exceed the home's actual worth. It's typically done by a state-licensed Appraiser - a professional with the right know-how and expertise to assess properties based on location, amenities, and condition.

Do I need PMI - Private Mortgage Insurance?

PMI is required by mortgage lenders when home buyers make a purchase with a down payment that’s less than 20% of the home’s value—typically to protect the lender in case the home buyer defaults on their home loan. Depending on your loan structure, you could be charged up to one year’s worth of PMI premiums at closing, which can amount to several hundred dollars. If you’re hoping to avoid this extra expense, consider making a larger down payment or looking into other loan options.


Vancouver and Portland trust Prism Lending Partners with their loan applications to get a competitive rate and have a great experience.  We actively work with you to ensure that you are able to purchase the house that you desire.


Our local presence means that we are accessible and knowledgable about the SW Washington and Portland Metro area.

When you need a local mortgage company to be with you during the process, call us.

Competitive Rates

Competitive mortgage rates for borrowers in Vancouver, Portland, Camas, Battle Group, and all of SW Washington means that you get a competitive rate.  Want to know how we do it? Call Us.

Find the loan that's right for you.

Our team will help you find the right loan for you at the right time.  We offer products and have an understanding of the market at all phases of the real estate cycle.  We are committed to guiding you through selecting a loan and will help you reach your personal and financial goals with transparency and professionalism.

Meet The Team

Brian Spitulski
NMLS# 880824

Haley Dickerson
NMLS # 2319236


NMLS# 218326

NMLS# 1700043

Mark Villanueva

Home Buyer in Happy Valley

Brian helped my wife and I purchase our first home in Happy Valley. As first time homebuyers, there was a steep learning curve throughout the entire home buying process. Brian was very helpful and patient in explaining not only procedures involved with obtaining the mortgage, but also with anything other processes we had questions about. Brian even came to our escrow signing appointment to give the paperwork a final look. Brian still contacts us every few months to let us know how interest rates are looking and whether it would be beneficial to refinance. Big thumbs up to Brian and we'll definitely use him again when we're in the market for another property.

Sean Curringan

Vancouver Home Buyer

My wife and I have followed Brian from his previous company to him now at U-Mortgage. While his company has changed, his level of service has stayed light years ahead of the rest of the industry and for that, we’re very grateful! Buying a house is for most people, the largest purchase they will ever make, which can be a pretty scary situation. Brian goes above and beyond to ensure that the consumer knows exactly what is going on at all times. This can be as simple as explaining what certain fees are or possibly as complex as how best to boost a credit score. Whatever the case may be, Brian is amazing! I personally don’t know too many Mortgage Guys who go as far as making sure to be present at the final signings. Mr. Spitulski does this and much more. My wife and I plan on using Brian in the future and highly recommend anyone else going through the home purchase process to give Brian at least a shot, it’s well worth it!

R. Rogers


Put your trust into Brian! You can tell he is honest and truly cares about his customers. He worked hard to get us the best possible interest rate (and keep it despite closing taking longer than expected due to an issue the sellers of our new house needed to work out). He patiently worked with us over the course of two years while we paid off debts, saved, and followed his advice to increase our credit scores. Once we were ready to go and found our dream home, Brian got everything mortgage-related done lightening fast! The whole process was so quick, easy and smooth I couldn’t believe it!! He was always quick to answer our millions of questions (this is our first house) and clearly works long hours to make sure his people are completely taken care of. Our experience couldn’t have been better!