same incredible team!
re-brand coming soon
stay tuned for a website re-build to reflect our new look
WHY CAFE
Locally owned
We work for you,
not the big banks
education
We guide and teach you,
not sell you
more options
Partnered with several lenders for more options
relationship
We care about you and your experience
lower rates
Lower overhead means
you pay less
communications
With you and your realtor
at every step
About Us
Mortgage Cafe NW was established to provide a better and more honest option. We believe you deserve lower mortgage rates, more loan options, lower costs, and someone who truly cares about your experience and success as a homeowner!
MIKKI RODRIGUEZ
Loan Officer & Owner | NMLS #125653
503-490-7677
Mikki@MtgCafeNW.com
– Se Habla Español –
Mikki has called Portland home since middle school. She is bilingual / bicultural and comes from a migrant farm-worker family and a family of farmers. She studied sociology at Portland State and worked in social work for a few years before making a sharp change of direction and venturing into the mortgage industry. Her background in social work laid the foundation for her approach working with clients today. Educating & helping people to achieve home-ownership. She has two children that have grown into cool adults! When she’s not outdoors kayaking, hiking or biking, she might be home working on household projects or planning her next adventure. Mikki loves to travel and see the world.
ADRIAN HINCKLEY
Loan Officer & Owner | NMLS #264845
503-515-2599
Adrian@MtgCafeNW.com
– Se Habla Español –
Adrian has been a mortgage consultant in the Portland area for 15 years. In the beginning, he quickly realized that the home buying community needed an honest and transparent loan officer to guide them through the process. He continues to pride himself in being a consultant to home buyers, not another sales person. He is a proud father of two incredible boys, one at Tigard High School and the other at Fowler Middle. He and his extraordinary wife Corry recently celebrated 16 years of her putting up with him. They love Tigard and everything PNW.
LAURAN HARVEY
Loan Officer & Production Manager | NMLS #1394300
971-777-1085
Lauran@MtgCafeNW.com
Lauran is a loan originator & loves working with first time home buyers! She recently purchased her 3rd property and understands the concerns & challenges from both sides of the transaction. Her passion is teaching and she finds joy in helping clients understand the loan process. Her father was a mortgage broker and her mother an underwriter – Home financing is in her blood and she thrives on problem solving to help clients find their best options! She also supports Mortgage Cafe with marketing, technology, legal & administrative tasks. She and her husband are restoring their 1910 Beaverton farm house, they love to travel the world, drink coffee & play at the beach with their Labrador mix, Maple.
MICHELLE MCCLUSKEY
Senior Loan Processor | NMLS #1714942
503-684-2233
Michelle@MtgCafeNW.com
Michelle started in the mortgage industry in ‘98 working with Michelle Rodriguez and is excited to be back home with her original team! She grew up in the Midwest and has a degree in communications and business. She loves to be part of the joy of the home-ownership process – “no matter how long you’ve been doing this job, each day brings something new! Because every client is unique in this process.” Outside of work, she is very involved with her 2 beautiful and active boys and all of their sports and activities. She also enjoys being involved with community & school fundraisers, volunteering at the Tualatin Food Pantry, enjoying Portland restaurants, and traveling.
JOEL NAVARRETE
Loan Officer | NMLS #1467982
503-703-3302
Joel@MtgCafeNW.com
– Se Habla Español –
Joel was born in Los Angeles California but grew up in the small town of Milwaukie, OR. He started in the banking industry shortly after graduating, he worked at 2 big corporate banks and a local credit union before joining the team at Mortgage Cafe NW. He believes that through honesty, education, and communication we can help you achieve your goal of homeownership! In his free time he likes to play soccer and billiards, snowboard, travel, and spend time with his friends.
ANDRES HIGUERA
Production Assistant
503-684-2233
Andres@MtgCafeNW.com
– Se Habla Español –
Andres recently moved to the Portland area from El Paso, Texas with his husband and their dog. He is new to the industry and eager to learn everything that he can here with Mortgage Café. He joins us with great knowledge and skills from his previous positions in financial institutions, and now he’s using those skills to grow & thrive in the mortgage industry. Andres is a former United States Navy Sailor who loves to help others and his community. He loves being able to use his “little bag of tricks” to help pass on some knowledge that he has gained throughout his lifetime. He loves going outdoors on hikes and exploring everything that Oregon has to offer, which is a total change from his small home town of Deming, NM.
ERIKA HERGENREDER
Disclosure & Compliance Specialist
Erika@MtgCafeNW.com
While, originally, she hails from the wine country of California, Erika has old family roots in the Pacific Northwest. Her great grandfather was one of the founding members of the NAACP in Portland, and her parents both worked at Boeing in Seattle before making their way south to settle in California. She enjoys hiking, remodeling and cooking with her husband and their teenage son. She has two dogs who also love to “help” in the kitchen.. As a retired probation officer of 25 years, she understands the stability accruing wealth can add to a family, and she is excited to join a team bringing home ownership to families who never thought they could own their own home.
loan process
Our team will help you and work alongside you throughout the entire loan process!
– hover for more info about each step –
PRE-APPROVAL
We take your full loan application, collect your income and asset documentation, and obtain your credit score & history. This allows us to determine what loan type and loan amount you may qualify for.
SHOPPING
Once you’re pre-approved and know your budget, you’ll work with a realtor to view homes in your price range until you find the right one and write up an offer!
PURCHASE CONTRACT
Your realtor will help you write an offer on a home and negotiate a purchase contract outlining the terms of your purchase. If the seller accepts your offer, we get started on your loan.
INSPECTION
It’s recommended to have a home inspector look over the house for potential issues/ upcoming repairs. The inspection results won’t be part of the loan process, but can help you negotiate with the seller or walk away.
APPRAISAL
An appraiser inspects the home, looks up data about the property, and compares the home to other similar houses in the area that have sold recently. The appraiser then calculates the market value of the home.
UNDERWRITING
An underwriter looks thoroughly through all of your documentation, reviewing Credit, Capacity, and Collateral. Their job is to measure risk and determine your Ability to Repay the money you’re borrowing.
CONDITIONS
The underwriter will provide a list of conditions to be met for final loan approval. It will include a satisfactory appraisal, locked interest rate, homeowner’s insurance & any questions the underwriter has.
SIGNING & KEYS
After final loan approval, you’ll review the Closing Disclosure and then sign your loan documents. Funds are exchanged, your new property deed is recorded with the county and you get keys to your new home!
menu
We are a broker! What this means is that we can offer a larger “MENU” of options and a wider range of products than any one bank or lender. We are an independent agent working for you, and instead of having access only to the products offered by the mortgage company we work for, we have access to the products offered by almost any lender! And we have the freedom to shop around for the best product and price for you.
FHA
A great option for first-time home-buyers! With low down payment options starting at 3.5%, this program offers a lot of flexibility. These loans are backed by the Federal Housing Administration, and offer more lenient guidelines and ratios than many other programs.
VA
Both of these loans are often available with no down payment necessary! VA loans are for Veterans only. For qualifying US Veterans, this is an excellent option that requires little or no money down. To find out if you qualify, contact us!
JUMBO
For homes that exceed the conventional loan limits, we have “jumbo” loans. This product is suitable for large loan amounts, up to 2 million dollars!
Renovation
When your dream home and your dream budget don’t overlap… Renovation loans can be an excellent option for financing a fixer-upper and turning into the home you’re looking for! There are a lot of pieces and steps to go through with this product, and they do take a bit longer to close than other loans, but they can be an excellent option to find a diamond in the rough and invest some sweat equity!
Conventional
Your basic, common loan type. Conventional loans are not insured by any government entity, and they fit stricter guidelines set forth by Fannie Mae and Freddie Mac. These are the most “cookie-cutter” loans and are bought by large investors and banks on the secondary market. For buyers who are able to put more down, these loans are often the best option, but there are smaller down payment options as well. Lower loan-to-value ratios do not require mortgage insurance, which can make them an appealing product.
USDA
USDA loans are another government guaranteed loan through the United States Department of Agriculture. This program is only available in some areas, and only certain properties qualify. There are also requirements the buyer must meet and a maximum income cap.
OUT OF THE BOX
As a mortgage broker, we have access to tons of programs and options! If your situation is unique, we may have an unconventional loan product that could work for you! We are an incredible team of problem solvers and we work hard to find a solution for you! Call us to find out more about all of our loan programs and how we can help you.
call today to find the best option for you!
503-684-2233
testimonials
Come on In!
Address
11680 SW 72nd Avenue
Tigard, OR 97223
Hours
9 AM – 6 PM
Weekends by appointment
