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2024

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Best Mortgage Brokers in Portland, OR

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Portland Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

147Reviewed

93Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4949 Meadows Road, Lake Oswego, OR 97035
WebsiteLicense: 1477

Expertise.com Rating

Review Sources

Zillow
5.0 (1109)
Google
4.0 (461)
Yelp
5.0 (51)

Why choose this provider?

Pacific Residential Mortgage, LLC, is a home loan solutions provider that serves clients in Portland and its nearby localities. The firm helps individuals, families, and investors to achieve their home purchasing aspirations with its mortgage brokerage services. Its team partners with dozens of lenders to deliver a variety of home loan products, including conventional, FHA, VA, jumbo, and reverse mortgages. They also assist clients who plan to change their existing mortgage through refinancing. The company has been serving homebuyers since 2004.

  • New Construction
  • Refinance
  • Commercial Loans

10121 Southeast Sunnyside Road Suite #300, Clackamas, OR 97015
WebsiteLicense: 1834787

Expertise.com Rating

Why choose this provider?

Northwest Reverse Mortgage - Clackamas works with clients in Portland and neighboring regions. It assists individuals who wish to purchase a new house, invest in one, or refinance an existing loan. It also provides a variety of lending programs to people aged 55 and above in Oregon, Idaho, California, and Washington. Jeff Foody, the president and owner of the company, has been featured on various TV shows, including KOIN's Wallet Wednesday and KPTV FOX12 Local Business Spotlight, where he discussed topics about reverse mortgages.

  • Reverse Mortgages

3233 Northeast Sandy Boulevard, Portland, OR 97232
WebsiteLicense: 268117

Expertise.com Rating

Review Sources

Google
4.0 (25)
Facebook
4.0 (12)

Why choose this provider?

Portland Housing Center is a mortgage brokerage firm that serves clients in the metro. The company offers homebuyers and homeowners a variety of loan programs, including mortgage refinancing, FHA home loans, VA home loans, and conventional mortgage loans. Clients can also avail themselves of mortgages with low downpayments and loan closing cost assistance. Since 2003, it has brokered or funded more than $155 million in loans and has served over 8,975 homeowners. It has more than 29 years of mortgage industry experience.

  • New Construction
  • Refinance

PO Box 11583, Portland, OR 97211
WebsiteLicense: 1627187

Expertise.com Rating

Review Sources

Facebook
5.0 (12)

Why choose this provider?

Green Family Mortgage is a family-owned mortgage brokerage serving the Portland metro and neighboring areas in Oregon. Established by Lauren Green after purchasing her own home in Portland, it offers one-to-one counseling and support to customers for their clients' purchase and refinancing needs. Services include conventional loans like fixed-rate and adjustable-rate mortgages, as well as nonconventional mortgages like FHA, VA, USDA, and jumbo. The company also offers assistance to customers seeking to lower monthly payments and access cash equity on their homes.

  • Refinance
  • Reverse Mortgages

26097 Northeast Butteville Road, Aurora, OR 97002
WebsiteLicense: 1457759

Expertise.com Rating

Review Sources

Facebook
4.9 (34)

Why choose this provider?

UMortgage services clients in the Portland area with various loan products, including construction, renovation, FHA, VA, USDA, and rural housing. It is headed by Kahren Oxner, a senior loan officer with over 21 years of experience. Conventional loans, ARMs, and jumbo loans with different terms are also offered. Oregon's ODVA loan program is available for Oregon residents who are active-military or eligible veterans. UMortgage assists clients with reverse mortgages and home refinancing as well.

  • Refinance

6445 Southwest Fallbrook Place, Beaverton, OR 97008
WebsiteLicense: 278947

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Yelp
5.0 (4)

Why choose this provider?

Jeff Naylor is a loan officer associated with Bank of England Mortgage that serves Portland and the surrounding areas. He offers several loan options for clients who want to buy a home. Some of these options are loans with low downpayment, first-time homebuyer loans, and loans for people looking to buy a vacation house or an investment property. He also offers refinancing services to people looking to lower their monthly payments, consolidate their debt, or pay off their mortgage faster.

  • Refinance

11950 SW 2nd Street, Beaverton, OR 97005
WebsiteLicense: 3242

Expertise.com Rating

Review Sources

Google
4.2 (10)

Why choose this provider?

Financial Services Unlimited provides the communities of Portland assistance in acquiring loans for mobile homes "in-park" and on leased or rented land. The business offers loan programs for individuals seeking to purchase a new mobile home, refinance an existing loan, or consolidate debts. It also offers loans for cash-outs and home improvement. The company has been working with nationally recognized lenders and helping prospective homeowners since 1998. It is an Equal Housing Lender and does business in accordance with Federal Fair Lending Laws.

  • Refinance

6800 Northeast 59th Place, Portland, OR 97218
WebsiteLicense: 1731464

Expertise.com Rating

Review Sources

Zillow
4.8 (25)
Google
4.0 (14)

Why choose this provider?

Imagination Age Mortgage, Inc., is a mortgage broker that serves clients in Portland. The company specializes in offering home buyers and owners mortgage loans and refinancing options that suit their needs, such as fixed-rate mortgage loans, FHA loans, VA home loans, cash-out refinancing, jumbo loans, and loan transfer refinancing. Imagination Age Mortgage is owned by Scott Little, who has more than 20 years of experience in providing housing and mortgage solutions to individuals and families.

  • New Construction
  • Refinance

16552 Boones Ferry Road, Lake Oswego, OR 97034
WebsiteLicense: 233782

Expertise.com Rating

Review Sources

Google
4.0 (104)
Facebook
4.0 (44)
Yelp
3.0 (11)

Why choose this provider?

Oswego Mortgage is a mortgage brokerage company based in Lake Oswego that offers loan options for purchasing and refinance to clients in Portland, the rest of Oregon, and Washington. The company was founded in 1996 by Thomas R. Fitkin, and its team brings over 20 years of experience in educating clients about VA home loans. It provides programs such as VA, FHA, USDA, jumbo, and conventional loans. The company also assists qualified veterans in maximizing their VA home loan benefits.

  • Refinance

6445 Southwest Fallbrook Place, Beaverton, OR 97008
WebsiteLicense: 418481

Expertise.com Rating

Review Sources

Google
4.9 (62)
Zillow
5.0 (58)
Facebook
5.0 (40)

Why choose this provider?

Established in 2011, Bank of England Mortgage is a mortgage financing provider serving Portland and the surrounding areas. Catering to first-time homebuyers or clients seeking to refinance a current mortgage, its team of loan specialists guides each client through pre-qualification, finding a new home through a matching real estate agent, underwriting, and closing processes. Some of the loan programs available are conventional loans, FHA and VA loans, 30-year loans, and fixed and adjustable-rate mortgages.

  • Reverse Mortgages

650 Northeast Holladay Street, Portland, OR 97232
WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Yelp
5.0 (94)
Zillow
5.0 (20)
Facebook
5.0 (6)

Why choose this provider?

Green Mortgage Northwest is a local mortgage company that delivers residential loan solutions to clients in Portland and nearby communities. The full-service firm assists individuals, families, and residential property investors to acquire the right mortgage plan for their home purchasing needs. Its mortgage brokers connect with multiple lenders and help clients compare home loan options. The firm also assists homeowners with mortgage refinancing. The company makes use of paperless transactions, electronic signing, and online consultations in most of its services.

  • Refinance

6117 Northwest 165th Terrace, Portland, OR 97229
WebsiteLicense: 116689

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

David Sefton is a mortgage broker who has been in the industry since 1997. He caters to homebuyers in the Portland metro and helps them in obtaining loan programs. He offers a range of loan options, such as conventional, jumbo, FHA, VA, and HARP programs. Sefton's other loan options include fixed-rate and adjustable-rate mortgages. In addition, the broker also provides mortgage refinancing like cash-out and rate and term refinancing. He is a part of the Riverside Mortgage Group LLC.

  • Refinance

5 Centerpointe Drive, Lake Oswego, OR 97035
WebsiteLicense: 129002

Expertise.com Rating

Review Sources

Yelp
5.0 (47)
Google
5.0 (30)
Facebook
5.0 (7)

Why choose this provider?

Steph Noble is a mortgage specialist and branch manager of CrossCountry Mortgage in Portland that sources and evaluates home financing and refinancing options for clients in the metro. Her team is an expert in applying for and processing loan programs such as from VA and FHA to jumbo and conventional. It also offers refinancing options such as FHA streamline refinance and 203K refinance loans. Steph Noble is NMLS certified and is a member of the Mortgage Bankers Association.

  • New Construction
  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Pacific Residential Mortgage
4949 Meadows Road, Lake Oswego, OR 97035
Northwest Reverse Mortgage - Clackamas
10121 Southeast Sunnyside Road Suite #300, Clackamas, OR 97015
Portland Housing Center - Portland
3233 Northeast Sandy Boulevard, Portland, OR 97232
Green Family Mortgage
PO Box 11583, Portland, OR 97211
UMortgage
26097 Northeast Butteville Road, Aurora, OR 97002
Jeff Naylor
6445 Southwest Fallbrook Place, Beaverton, OR 97008
Financial Services Unlimited
11950 SW 2nd Street, Beaverton, OR 97005
Imagination Age Mortgage, Inc.
6800 Northeast 59th Place, Portland, OR 97218
Oswego Mortgage
16552 Boones Ferry Road, Lake Oswego, OR 97034
Bank of England Mortgage
6445 Southwest Fallbrook Place, Beaverton, OR 97008
Green Mortgage Northwest
650 Northeast Holladay Street, Portland, OR 97232
David Sefton
6117 Northwest 165th Terrace, Portland, OR 97229
Steph Noble
5 Centerpointe Drive, Lake Oswego, OR 97035

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.