The dream of
homeownership
starts with
a plan.

At Mortgage Cafe NW, we are committed to providing you with a personalized and comprehensive homebuying experience. We believe you deserve lower mortgage rates and fees, more loan options, and guidance throughout the process. We prioritize your success as a homeowner!

We are a local broker offering a menu of options

We work for you, not the big banks.

We partner with multiple lenders to offer more loan options and programs. We search for the lender that will work best with your unique situation.

We are Latine owned, and specialize in working with first time homebuyers. It is our mission to assist our community in building generational wealth.

We prioritize education, relationships
& honesty

We care about you and your experience!

We are here to guide and educate you.

It is important to us that you understand the process. We want to answer all your questions.

We strive for clear and constant communication every step of the way.

SCHEDULE CONSULTATION

Meet Our Team

MIKKI RODRIGUEZ

Loan Officer & Owner
503-490-7677
Se Habla Español

GET TO KNOW MIKKI
LAURAN HARVEY

Loan Officer
971-777-1085

GET TO KNOW LAURAN
YUSSETTY SPICER

Loan Officer
503-310-8933
Se Habla Español

GET TO KNOW YUSSETTY
ERIKA HERGENREDER

Disclosure & Compliance Specialist
503-684-2233

GET TO KNOW ERIKA

SCHEDULE CONSULTATION

TESTIMONIALS

Painless From Start to Finish

• The Best Our Family Could Have Wished For

• Helpful and Instrumental

• Seamless

• I Wish I Could Shout From the Rooftops

• The Process Was Extremely Easy

• Top Notch

• Painless From Start to Finish • The Best Our Family Could Have Wished For • Helpful and Instrumental • Seamless • I Wish I Could Shout From the Rooftops • The Process Was Extremely Easy • Top Notch •

"So easy and painless from start to finish. I was singing your praises this evening with some friends and will definitely be recommending you."

Tony & Molly
2023 Purchase & 2021 Refinance
"Lauran was the best mortgage broker our family could have wished for. She made the whole home buying experience more manageable, helped us understand each step of the process and was just an overall lovely person to work with. We couldn't be happier with our home and are grateful to Lauran for her competence, patience, and kindness."

Becky & Gavin
2021 Refinance & 2019 Purchase
"Thank you so much! We are so grateful to have found your whole team. We are so appreciative for everything you did for us. The process of buying & selling was extremely easy. Well, at least you guys made it seem that way. You were so helpful and instrumental in this process. Your promptness throughout this transaction made it go even more seamlessly than I had hoped for. We appreciate all that you've done for us and we look forward to working with you again in the future!"

Tali & Juan
2021 Purchase
"We just had our second experience with Mortgage Cafe NW and as with the first time, this was an unbelievable experience. I wish I could shout from the rooftops how smoothly and quickly the deal came together. It felt nearly effortless and I highly recommend this tight knit professional team to anyone who wants to have a pleasant fast process. We felt cared for, informed...like we had friends looking out for us. Our loan closed within two weeks and we got the rate of our dreams!"

Chris & Shallon
2020 Refinance & 2017 Purchase

SCHEDULE CONSULTATION

Schedule a call with us, and we’ll help you prepare to purchase.

Whether you’re ready today or planning to purchase in the future, there’s no commitment or obligation.

Schedule a call with us

Our Menu of Loan Options

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 are often the best option. Lower loan-to-value ratios do not require mortgage insurance, which can make this an appealing product.
FHA

A great option for the first-time home-buyers! With low down payment options starting at 3.5% down, 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

VA loans are for Veterans only. For qualifying US Veterans, this is an excellent option that requires little or no money down. VA provides lenient guidelines and ratios to make this product most beneficial for Veteran homebuyers and homeowners. 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!
USDA

USDA loans are another government guaranteed loan through the United States Department of Agriculture. This program is only available in some rural areas, and only certain properties qualify. There are also requirements the buyer must meet and a maximum income limit.
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 it 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!
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 to suit your needs. 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 oure loan programs and how we can help you.

Learn More

What To Expect - The Loan Process

1. PreApproval

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.
2. 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!
3. 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.
4. 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 decide to walk away.
5. 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. To ensure it’s worth what you’re paying for it.
6. Underwriting

An underwriter thoroughly reviews all of your documentation, evaluating Credit, Capacity, and Collateral. Their job is to measure risk and determine your Ability to Repay the money you're borrowing.
7. 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.
8. 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!