ABOUT us

 

CHA Mortgage Company is located in the Baxter Building on the corner of NW 23rd and Thurman.
Parking is available for Baxter Building guests in spots marked  "Executive Suite Customers."
  
 

 

CHA Mortgage Company's promise:  Commitment | Honesty | Accountability

 

We don't rely on clever gimmicks or marketing schemes to get you to work with us.  We earn your business through honest advice, total commitment and holding ourselves accountable to what we tell you. 

Customer Service-  Your Mortgage Consultant (also known as a Loan Officer) will be your main point of contact throughout your entire loan process.  You won't be passed around from Loan Officer to Assistant to Processor.  Not only will this save you money, it leaves less room for error and miscommunication.  When we tell you something, we mean it.  If we mess up, we own it.  We promise to work on your loan as if it were our own and provide you with honest, clear and concise advice. 

Competitive Rates-  Did you know every mortgage company charges different rates and fees?  We strive to provide you a great value on your mortgage by maintaining a low overhead and shopping multiple lenders for the best rates and fees.  

Confidentiality and Security-  Your personal information is safe with us.  We won't discuss your business with any person or organization without your prior approval.  To further enhance security, CHA Mortgage Company is a paperless company.  This means we won't have your confidential information laying around in a paper file somewhere.  Everything is done electronically when possible and confidential information printed only when necessary.  If we receive paper documents, we will scan and then shred the originals on site.  Customers can send us sensitive documents by uploading them to our secure website.  Backups of electronic files are maintained on an encrypted hard drive that is kept off-site in a safe.  When laptops are not in use, they are locked up.  Laptops and phones are password protected to protect data on those devices.  We take security and your privacy very seriously.


our FOCUS

 

We're passionate about helping our public service heroes (Firefighters, Police Officers, Nurses, Teachers and Veterans).  For a small company like ours, we have to be selective when it comes to the allocation of our time and resources.  While we could advertise on the radio or billboards, we choose, instead, to spend that money on educating our heroes. We want them to be educated enough about the mortgage process to make an informed decision when they're buying or refinancing their homes.  We're building our business around education, great customer service and great rates and who better than our heroes to focus our time and attention. 

Why do we care so much about our heroes?  It has a lot to do with coming from nothing, growing up with something and the people who helped Saopon along her way to becoming who she is today...

CLICK HERE TO APPLY NOW!

MEET SAOPON CHA 

Hi!  I'm Saopon.  I'm the founder and President of CHA Mortgage Company.  I'll be your Mortgage Consultant and main point of contact throughout the entire loan process.  

A lot of people are intimidated by my name but the pronunciation is a lot easier than you think.  My first name is two syllables: sao-pon. The first syllable, sao, rhymes with Lao, Tao, how...I think you get the idea.  The second part, pon, is just as it sounds: "pawn."  People get my name wrong all the time but I'm used to it so don't feel bad if you mess up.

Even though I was born in Thailand, I was raised in Portland and it's all I know and remember.  I love Portland and couldn't fathom living anywhere else. I was raised in the Cully Neighborhood of Northeast Portland and I'm currently raising my family in the St. Johns neighborhood of North Portland.  I received my high school diploma from Madison High School, Associates Degree from Portland Community College and Bachelors Degree from Portland State University.  

I've been in the financial services industry for over 18 years and in the mortgage industry for 13.  I've sold checking accounts, mortgage loans, life insurance and real estate.  I've worked for small mom-and-pop mortgage shops and large mortgage corporations where I originated, processed and underwrote mortgage loans.  You'd be hard-pressed to find another Mortgage Consultant with my level of knowledge and expertise.

When you work with me, you can expect me to care about your mortgage as much as you do.  I'll find you the best loan program with the most competitive rates and the least amount of stress possible.  You can count on me to be honest, available and responsive when you have questions.  You can also count on me to be discreet.  I'll only ask for information or documents needed to process your application and I'll only share that information with people who need to know--like the lender, for example.  To my friends and family who are also customers, I want you to know you don't have to be embarrassed if your finances aren't perfect.  I'm only here to help and I would be honored if you chose to work with me when you're thinking about buying or refinancing your home!

My goal is to have your complete trust so you have no reservations about working with me or referring your friends and family to me.  I am never too busy for you or your referrals.  Total commitment to you, my customers...that's what I'm all about.

 

MY HEROES

My family is from Laos-a small country in Southeast Asia.  It's bordered by Vietnam, Thailand and China.  Laos played a major role in the Vietnam War because of its proximity to Vietnam.  My grandfather was recruited by the U.S. to fight alongside the American Armed Forces during the war.  When the war ended, my family took refuge in Thailand to escape persecution.  We eventually immigrated to the U.S. a few years later.  

When we arrived, we had to start from scratch.  We had nothing but the clothes on our backs.  Adjusting to our new lives was hard but would've been harder without Gene and Evelyn Fenter.  Gene, a Portland Police Officer, and Evelyn, his wife, sponsored our family through Bethel Baptist Church and helped us acclimate and assimilate to our new surroundings. There were many other organizations and people who helped but Gene and Evelyn stood out.

My grandfather fell ill when I was in second grade and I ended up staying with him at the hospital for a couple months during the summer to serve as an interpreter.  The doctors saved my grandpa's life but what I remember the most were the nurses who brought me snacks, made sure I was comfortable and who took care of my grandpa on a daily basis and nursed him back to health.

My dad always reminded us (his children) how lucky we were to grow up in the U.S.  I think his proudest moment was the day he became a Naturalized Citizen.  I also became a U.S. Citizen that day and we all received little American flags during the ceremony which my dad has to this day.

My dad respected everyone in public service but he had a special place in his heart for Firefighters.  He often received mailers asking for donations and he donated whenever he could.  With each donation, he received stickers which he had plastered all over our living room walls.  We had a couple close encounters with fires at our home which made us appreciate them even more.

My parents and grandparents were my greatest inspirations but my teachers were, too.  Mr. O'Connell (2nd grade), Ms. Lewis (7th grade), Mr. Thomas, Ms. Hooten and Ms. Owen (high school) molded me into the person I am today.  Looking back, I have fond memories of each teacher and I wish I could have appreciated them more at the time.


Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
How can we get in touch with you?
Tell us about your credit history.