Nobody WANTS a Mortgage

You WANT a home! But you’re not made of money, so a mortgage is a necessary evil. But the process is opaque and invasive and kind of a downer, so you want to get through it as quickly as possible so you can get back to searching for your dream home, right? It doesn’t have to be that way!

Hi, I’m Chris

LOAN ADVISOR, LEGEND

I take the role of advisor seriously, helping you craft the financial plan that fits YOU best. I lay out the process up front and communicate all the way through, so you’re never in the dark about what’s going on or what’s coming next.

You need a trusted guide who can see around corners and get you to the closing table with minimal headache. And guess what? I can do all of this faster and with lower fees than most banks, online lenders, and brokers.

It’s time to Borrow Smarter!

Borrowing Breakdown

NUMBERS DON’T LIE

$14M

Funded in 2024

33

Dreams made real in 2024

Top 3% Lender

Lane County

Client Shout Outs

Testimonials

Chris and his team are great! We wanted to turn a “fixer” into our next home. He was able  to help us easily navigate a funding process that previously felt overwhelming and complicated. His team’s communication went above and beyond to keep us in the loop and engaged. Looking forward to working together again!

~ Billy

Chris was fantastic. He helped us understand our lending options, and educated us on the pros and cons of each option so that we felt confident about our choice. He was very attentive, answering our first-time home buyer questions, regardless if they were simple or complex. All together, we were very pleased with the whole process and the way Chris partnered with us to help us purchase our home!

~ Jonathan

Chris was the lender for some lovely buyers he referred to me! He was so thorough and responsive and had quick turnaround times. Most importantly, he was easy to get in touch with and he kept me up to date on their file the whole way through. I loved his communication and optimism!

~ Ashley

I wouldn't be in my new house if it were not for Chris Watkins and the dedicated, knowledgeable team at BorrowSmart Mortgage. They were flexible and helpful throughout every stage of the process and parted water to adjust my closing date so I could move in early and enjoy my new home. I cannot emphasize enough that I recommend them for your borrowing needs and would use them again in the future.

~ Chris

BRAND PROMISE

What do you get when you work with BorrowSmart?

Unconditional Service: We are here when you need us, seven days a week. You work directly with me, not a call center. I am here for YOU, not for a paycheck.

Exceptional Execution: Speed wins always! From the time that a contract is signed we are in top gear, moving quickly to remove headaches and reach the finish line as quickly as possible.

Financial Efficiency: Our goal is to radically reduce the cost of owning real estate. We are built from the ground up to be more efficient than any other lender, which translates into lower rates and fees.