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 –
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.
Loan Officer & Owner | NMLS #264845
– 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.
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, 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.
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 | 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.
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.
Disclosure & Compliance Specialist
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.
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!
"Painless from start to finish"
“Thank you Michelle, Mikki and Adrian! 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 (refinance clients)
"I wish I could shout from the rooftops"
“We just had our second experience setting up a new mortgage with the Mortage Cafe NW team 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, cared for, and like we had friends looking out for us. Our loan closed within two weeks and we got the rate of our dreams – thank you SO much!”
– Chris & Shallon (purchase clients and return refinance clients)
"The best mortgage broker our family could have wished for"
“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 (purchase clients and return refinance clients)
"We couldn't have asked for a better team"
“Parminder and I wanted to thank you again for all your hard work in getting us our home. The whole process from start to finish was simple and not at all overwhelming like we’d thought it be… thanks to your thorough communication and input. We couldn’t have asked for a better team!”
– Kiran and Parminder (purchase clients)
“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)
"They kept us updated at every step"
“Thank you so much to Mortgage Café NW for making our home buying experience so wonderful. The whole process was super easy. Adrian, Michelle and others in the team made things so easy to understand, they kept us updated at every step of the process and provided us with many options. They are all super knowledgeable, stay on top of your loan process, answer all your questions and are super friendly. I highly recommend them to anyone looking to buy a home.”
– Mirasol & Jose (purchase clients)