We work for you,
not the big banks
We guide and teach you,
not sell you
Partnered with several lenders for more options
We care about you and your experience
Lower overhead means
you pay less
With you and your realtor
at every step
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!
Loan Officer & Owner | NMLS #125653
– Se Habla Español –
Loan Officer & Owner | NMLS #264845
– 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.
Loan Officer & Production Manager | NMLS #1394300
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 & 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 German Shepherd, Kona.
Senior Loan Processor | NMLS #1714942
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.
Loan Officer Assistant | NMLS #1467982
– 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.
Kasia is our newest addition to our Mortgage Cafe family! She has been in the mortgage and real estate industry since 2001, helping families with all their needs necessary to achieve their home ownership dream. Born in Poland, and growing up in Spain and the US, she is fluent in Spanish, English and Polish! Kasia has moved back to the PNW from the Chicago area recently, having lived in the Portland are for 10+ years previously. She loves to spend time outdoors, from hiking to camping, going to the coast, spending time with her family, cooking and beer tasting, and is currently pursuing her passion for wine making in her spare time.
Our team will help you and work alongside you throughout the entire loan process!
– hover for more info about each step –
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.
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!
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.
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.
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.
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.
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!
“You all are top notch in our book!!”
“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)
“A Great Find”
“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)