When Lisa, John, or Caryn reach 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, Caryn, 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, Caryn, 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 | Producing Branch Manager | 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 nearly 30 years 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.
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.