Who we are and how we work
The Tammy Wittren Team divides the loan process into three different phases, each supported by specific team members:
- Pre-qualification & Pre-approval Team
- Loan Processing to Close Team
- Client Care & Business Development Team
Prequalification and preapproval team – Phase one
When Lisa, John, or Patty reaches out to a potential client they introduce themselves as part of the Tammy Wittren Team. They will then provide the client with the purchase information they need so they can start the preapproval process for their home loan. The preapproval process starts over the phone and can last anywhere from 10-20 minutes. This process includes pulling credit and running the file through automated underwriting software.
Once the preapproval process is finished, Lisa, John, Patty, or Tammy can complete the preapproval letter along with the cost estimates. When the client has found a home (whenever that might be) and has a negotiated offer in place, Lisa, John, Patty, or Tammy can then lock the file. After this process is complete and the file has been locked into a program/interest rate, the file moves to the Loan processing to close team.
Tammy Wittren | NMLS #113328 | Authorized to conduct business in OR and WA state
In her more than 25 years of real estate and lending experience, Tammy Wittren has seen it all. From assisting the nation’s top real estate agent as a licensed realtor, to becoming a top loan officer at both Guild Mortgage Company and Nationally (Scotsman Guide 2016), she has a detailed understanding of the industry from all angles.
Purchasing or refinancing a home is the biggest financial decision most people make in their lifetimes. Tammy is committed to educating her clients about the vast number of available loan products, while always keeping their current and future financial goals in mind. Continued education and active research enable her to structure loans that exactly suit her clients’ needs. Tammy and her team work tirelessly to build lasting relationships with their clients and realtors, based on mutual respect, trust, and loyalty; because people are important to them.
Lisa Riccobuono | Loan Partner | NMLS #243823 | Authorized to conduct business in OR state
Lisa hails from southern Oregon and brings 23 year of lending experience to the Tammy Wittren team. She previously owned her own mortgage company for 12 years and is skilled in all aspects of the loan process. She has product knowledge along with experience in structuring and documenting many different types of loans including VA, FHA, and Conventional financing. Lisa’s organizational and communication skills, along with her creative approach to problem solving and attention to detail, produce a “stress free” experience for the customer.
John Bates | Loan Partner | NMLS #184541 | Authorized to conduct business in OR and WA state
John is an Oregon native and has been in the mortgage business since 1996. He has held positions at a wholesale lender, as a mortgage branch manager, and as a loan originator. Before that, he was a real estate agent for seven years. This breadth of experience helps John conduct smooth transactions and provide first-rate service to clients. Recognizing potential obstacles before they materialize is something in which he takes great pride.
Patty Page | Loan Partner | NMLS #1574210 | Authorized to conduct business in OR State
Patty is also an Oregon Native and has been in the industry since 1997. She has worked as a loan originator, a Loan Officer’s Assistant, and a Processor. Patty’s nearly 20 years of knowledge gives her the ability to troubleshoot any issue, big or small. She loves nothing more than helping people navigate the loan process, whether it be their first home purchase or their tenth. When Patty isn’t working with clients, she enjoys spending time camping, wine tasting, and spending time outdoors with family and friends.
Caryn Barney | Loan Partner | NMLS #694723 | Authorized to conduct business in OR State
A University of Oregon Alumni, Caryn initially pursued Sports Event Marketing for five years before entering the mortgage industry in 2003. She has since served as a Loan Officer for several banks including Chase, Wells Fargo, and US Bank previous to joining Guild. The team culture of Guild attracted her here and she am happy to be part of one of the strongest teams in the company. When not at work, Caryn spends time with her husband and two boys, outside or at the coast, engaging in all kinds of sports and outdoor activities.
Loan processing to close team – Phase two
Loan processing to close is best summarized as the formal loan application where all compliance documentation is created. The file is handed off to Bonnie or Steve for the remainder of the process, where she or he is then the primary contact for the client. This will be the final time sensitive documentation is requested from the client, as the file is then prepared for final underwriting and approval.
The loan process to close procedure consists of ordering the appraisal, receiving title reports, as well as receiving and reviewing all current client income and asset documentation. This part of the process is complete after Bonnie or Steve submits the file to final underwriting. They continue as final loan documents are created and work with escrow to get documents signed.
Bonnie Adams | Transaction Coordinator | NMLS #952603 | Authorized to conduct business in OR state
Bonnie brings more than 14 years of mortgage experience to the team. She has worked as an underwriter, compliance analyst, and a processor, which gives her tremendous problem solving skills during the loan process. Bonnie works as the primary contact for the client and the realtor once the client has found a property and is under contract until the loan closes.
Steve Elwood | Transaction Coordinator | NMLS #1018079 | Authorized to conduct business in OR and WA state
Born and raised in Oregon Steve began his career as a loan officer in 1999. He has worked through the many ups and downs of the industry. Over the past 18 years he has expanded his experience by working as a processor, an underwriter as well as many other roles in the process which taught him not just additional skills but also to be very resourceful and forward thinking. Whether first time home buyers or veterans in home ownership, it has always been his #1 goal to make the experience as pleasant and stress-free as possible. He feels to be the best guide, the path ahead needs not only to be well-lit, but also explained, so there are no surprises that come up.
Client care and business development team – Phase three
Victoria Bartley | Communications and Marketing Assistant | NMLS #1421444 | Authorized to conduct business in OR state
Victoria attended the University of Oregon and brings a strong background in public relations, organization, and management to the Wittren Team. She is responsible for handling client databases and all Client and Realtor events, as well as ongoing communication with both Client and Realtor.
Keeping in touch
After the loan has funded, Communications and Marketing Assistant Victoria Bartley, submits the client into the team marketing database. This database receives monthly marketing material, invites to upcoming events, as well first payment information at the necessary time. As part of the Wittren Team marketing database, former clients receive invites to annual Summer & Christmas parties along with other special marketing functions.
While maintaining relationships with past clients is one of the key fundamentals to business development, establishing new relationships is just as imperative. Our team is continuously looking to add new realtor partnerships with agents who share the same level of commitment, to providing exceptional customer service.