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Why Rent if You Can Own?

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Why Cafe

oregon

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

COMMUNICATION

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!
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NMLS 125653

503-490-7677

Mikki@MtgCafeNW.com
Se Habla Español
Mother of two great kids, 16 and 18, she grew up as a Portland local. She studied sociology at Portland State and is a social worker at heart. Her role is to guide you through your pre-approval, help you understand your loan options, and ensure that we have everything we need to provide you with a great home-buying experience. She believes that everyone should have the opportunity to own their own home and will do everything possible to make sure you are happy in your new home.

Michelle Rodriguez

Loan Officer & Owner
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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 homeownership process – “no matter how long you’ve been doing it, each day brings something new as each 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.

503-684-2233

Processing@MtgCafeNW.com

Michelle McCluskey

Senior Loan Processor
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NMLS 264845

503-515-2599

Adrian@MtgCafeNW.com
Se Habla Español

Father of 2 boys, 11 & 10, and husband for 12 years. They moved here to raise their family 12 years ago. His role is to help you with your application and understand the mortgage process as thoroughly as possible. He believes that education and being informed throughout the home buying process will help to alleviate any stress and nervousness that is natural when buying a home.

Adrian Hinckley

Loan Officer & Owner
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NMLS 1467982

503-703-3302

Joel@MtgCafeNW.com
Se Habla Español

Joel was born in the big city of Los Angeles California but grew up int he small town of Milwaukie, Oregon. He started in the banking industry shortly after graduating Milwaukie High School and worked at 2 big corporate banks and a local credit union before joining the amazing 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 and family.

Joel Navarrete

Production Assistant
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Loan Officer – NMLS 1394300

971-777-1085

Lauran@MtgCafeNW.com
Lauran is a loan originator & loves working with first time home buyers! At 28 she recently purchased her 3rd property and understands the concerns & challenges from both sides of the transaction. Her other passion is teaching and she finds great joy in helping clients thoroughly understand the loan process. Growing up, her father was a mortgage broker and her mother was an underwriter –  Home financing is in her blood and she thrives on problem solving to help clients qualify! She also supports Mortgage Cafe with marketing design, tech & administrative roles, and legal compliance tasks.  She and her husband are restoring their 1920 Beaverton home, love to travel, drink coffee & play at the beach with their German Shepherd, Kona.

Lauran Harvey

Production Manager

THE LOAN PROCESS

Our Menu

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.

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.

Apply Now!

To find out which product is right for you, fill out our mini application to get started!
We are here to help you find the right fit!

VA & USDA

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!

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.

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!

added bonus...

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.

Testimonials

Thank you Michelle, Adrian, and Lauran!!!
We appreciate your availability, support, hard work, your great attitude, and everything that you guys did for us. We can’t express our gratitude enough for all the help you did to get us through this house process. As first time home buyer we had such an amazing experience with your team that will always keep us coming back for any home lending needs.

You all are top notch in our book!!

Are there any sites we can write rave reviews on?? We would love to boost your team!
– Nick and Kate (purchase clients)
Yahhhh!!! I can’t thank you enough!!!
I will recommend your team to everyone I know as

my experience with you and Chase was night and day!

Blessings!
– Anna (refinance client)

Contact Us

MORTGAGE CAFE NW

9295 SW Electric St. Suite B
Tigard, OR 97223

503-MTG-CAFE

(503)684-2233
info@mtgcafenw.com

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Fax Number:  503-486-7827