APPLYING FOR A
You can save time if you have the following items with you
when you visit your lender. Depending on your lender, you
may be asked for other information.
What You Need To Know
Social Security numbers for both you and your
spouse, if both of you are applying for the loan.
Copies of your checking and savings account
statements for the past six months.
Evidence of any other assets such as bonds, stocks,
investment or retirement accounts.
A recent paycheck stub detailing your and your
A list of all credit card accounts and the approximate
monthly amounts owed.
A list of account numbers and balances due on
outstanding loans, such as cars.
Copies of your last two years of income tax
The name and address of someone who can verify
132 PORTLAND RELOCATION GUIDE – SUMMER | FALL 2017
made easier by finding a good real estate
professional who can guide you through
the entire process.
Choose a real estate broker who is well
DO YOU NEED A CPA?
acquainted with your needs and wants for
your new home. Make sure they are familiar
with the neighborhood you are considering,
the quality of schools, safety of the area,
traffic volume, and so on. A good realtor
will save you hours of time and might have
inside tips on houses that are fresh on the
market. Realtors can also provide advice
and tips when it comes time to make an
offer on a home.
Sometimes it can be a good idea to hire a
licensed certified public accountant (CPA).
CPAs can provide you with professional
advice on personal finances and other
matters, including how to adjust your
finances to help you meet your personal
goals, such as buying a house and other
financial and legal needs.
CPAs can also help you with tax preparation and auditing services, and help you
develop an effective accounting system
for your personal and household needs.
Other services provided by CPAs include
advice about how your financial situation
will change based on life changes such as
marriage or divorce, retirement, college,
and more. CPAs will give you useful
advice and tips that you might not learn
about any other way.
The most important factor of choosing
a CPA is that you trust them with your
personal financial information. Make
sure that your CPA has the proper level
of experience and training, and don’t
forget that you can ask for references. For
additional information or to find a CPA,
contact the Oregon Society of CPAs at
503-641-7200 or view its website at www.
orcpa.org, or in Washington, the Washington Society of CPAs at 425-644-4800
BANKING IN PORTLAND
The Portland area offers many banking
options to suit your needs. In addition to
a few local banks, most major banks have
branches in the metro Portland area as well.
Banks in the area include Simple Bank,
Umpqua Bank, Columbia Bank, Bank of
America, and JPMorgan Chase.
Credit unions are popular in the Portland
metro region. Credit unions provide many of
the same services as banks, including home
loans, but they are not-for-profit, and they are
cooperatives, so instead of seeking to profit,
credit unions are driven by their members—
those who bank with them. Credit unions
focus on serving their members by typically
offering better interest rates on loans and
savings accounts and lower fees for other
services. Just a few of the many local credit
unions in the area are: Unitus Community Credit Union, Advantis Credit Union,
OnPoint Community Credit Union, River-mark Community Credit Union, and IQ
Credit Union in Vancouver.l