Business Details
39 Years
experience
Trusted Mortgage Lending in Redmond Oregon
Northwest Mortgage Advisors has been a trusted name in the mortgage industry since 1987, serving Central Oregon communities with a commitment to putting homeowners first. Affiliated with Golden Empire Mortgage, a respected industry leader for over 35 years, we operate as a direct mortgage lender with the trust of 30+ nationwide banks and investors. Our expertise spans conventional, FHA, VA, and jumbo loans, tailored to meet diverse client needs. With decades of combined experience, our team prioritizes personalized service, leveraging a vast investment pool to secure competitive rates and optimal loan programs.We emphasize transparency, reliability, and client education, ensuring every customer feels confident from pre-approval to closing. Licensed in Oregon for over 30 years, we pride ourselves on fostering long-term relationships built on integrity and unmatched local market knowledge.
Services
Home Purchase Loans
Home Refinance
FHA Loans
VA Loans
Jumbo Loans
Down Payment Assistance
First Time Buyer Programs
Reverse Mortgages
Investment Property Mortgages
Manufactured Home Loans
Details
- Year established: 1987
Highlights and features
- Direct mortgage lender with trust of 30+ national banks and investors
- Access to diverse loan products for optimal rate comparisons
- Licensed since 1987 with deep Central Oregon market expertise
- Personalized service backed by decades of industry experience
- Streamlined process with transparent communication from start to finish
What people say
Knowledgeable team
Smooth process
Competitive rates
24/7 communication
Personalized guidance
Services
Home Purchase Loans
Our home purchase loans cater to first-time buyers, military families, and seasoned homeowners. Offering conventional, FHA, and VA options, we guide clients through selecting the ideal loan type based on financial goals. With access to multiple investors, we secure competitive rates and flexible terms, ensuring a seamless path to homeownership in Central Oregon's dynamic market.
Home Refinance
Refinance services focus on lowering rates, consolidating debt, or adjusting loan terms. Utilizing user-friendly digital tools for document submission, we streamline the process while maintaining transparent communication. Clients benefit from personalized consultations to determine if cash-out refinance, PMI removal, or ARM-to-fixed conversion best suits their financial strategy.
First Time Buyer Programs
Tailored programs assist first-time buyers in navigating complex mortgage processes. We provide step-by-step guidance on credit score optimization, down payment assistance, and FHA eligibility. Our team simplifies jargon, ensuring clients understand every document while connecting them with local housing market expertise for informed decision-making.
Investment Property Mortgages
Specialized financing solutions for investment properties and vacation homes. Capable of underwriting 1-4 unit properties, we evaluate cash flow potential and long-term profitability. Investors gain access to competitive rates and creative structuring options, supported by decades of experience in assessing non-owner-occupied real estate risks.
Down Payment Assistance
We administer down payment assistance programs that reduce upfront costs for qualifying buyers. Expertise includes navigating state-specific grants and low-down-payment FHA options. Our advisors identify eligibility criteria early in the approval process, ensuring clients maximize available financial support without compromising loan viability.
People
Jim Kreminski
Branch Manager & Advisor
With over 30 years in mortgage banking, including 17 years at JP Morgan Chase, Jim leads Northwest Mortgage Advisors since 2011. His expertise spans complex loan structures and market analysis, prioritizing client education and trust-building relationships.
Joyce Kreminski
Administrative Manager
As Administrative Manager, Joyce ensures operational efficiency and client communication throughout the loan process. With prior real estate brokerage experience, she combines technical precision and client-focused support to maintain smooth transaction timelines.
Mandi DeVicente
Loan Originator
Mandi brings 20 years of banking experience and a decade as a licensed mortgage originator. Recognized for her 5-star service, she specializes in guiding first-time buyers through intricate loan processes with patience and clear communication.
Questions
What mortgage programs do you offer for first-time homebuyers?
We provide FHA loans, down payment assistance programs, and specialized first-time buyer education. Our advisors explain all options to determine which program best fits your financial situation and homeownership goals.
Can I refinance my home if I have bad credit?
Yes, we assess each situation individually. Our experts help improve credit scores before applying and explore options like FHA streamline refinance to accommodate credit challenges while securing favorable terms.
How does your mortgage approval process work?
Start with a pre-approval consultation where we review income, assets, and credit history. Our digital HomeConnect portal streamlines document submission, while advisors maintain continuous communication to address questions throughout underwriting.
Do you offer jumbo loans in Central Oregon?
Yes, we offer jumbo loan programs tailored to high-value properties in Bend, Redmond, and surrounding areas. Our direct lending authority allows flexible terms for luxury home purchases exceeding conventional loan limits.
What areas do you serve besides Redmond?
We serve all Central Oregon communities including Bend, Sisters, Prineville, Sunriver, Madras, Eagle Crest, and Black Butte Ranch. Many clients work with us remotely from outside our primary service areas.
