Business Details
Your Trusted Mortgage Broker in Portland, OR
Founded by Gary Boyer, our mortgage brokerage has served homebuyers since before the year 2000 with a unique approach to personalized financing solutions. We specialize in guiding clients through complex mortgage scenarios, offering tailored advice that prioritizes individual needs over standardized calculations. Our team emphasizes transparency and trust, particularly for underserved communities including the LGBTQA+ population, while maintaining 24/7 availability for critical housing decisions. With expertise in first-time homebuyer programs, refinancing options, and credit counseling, we combine decades of industry experience with a commitment to local communities.Our process eliminates guesswork through strategic planning, execution, and relationship-based service that extends beyond loan closing. This approach has earned recognition through hundreds of handwritten client thank-you cards and consistent top reviews in our region. Licensed across Oregon, Washington, and Arizona, we remain dedicated to making home financing accessible and stress-free for diverse client backgrounds.
Services
Mortgage Brokerage
Refinancing
Credit Counseling
First-Time Homebuyers
LGBTQA+ Community Support
Highlights and features
- 20+ years of mortgage industry experience with tailored financing strategies
- Specialized expertise in first-time homebuyer programs and credit counseling
- 24/7 availability for critical real estate decisions
- Recognized community advocate for LGBTQA+ homeownership
- Hundreds of client testimonials with handwritten thank-you cards
What people say
Exceptional personalized service
24/7 availability
Knowledgeable and patient
LGBTQA+ friendly
Smooth mortgage process
Services
Mortgage Brokerage
Personalized mortgage brokerage services that match individual financial situations with optimal loan programs. Our approach considers each client's unique life circumstances, budget constraints, and long-term goals through one-on-one consultations. We specialize in creating customized strategies that simplify complex mortgage decisions while ensuring regulatory compliance and financial prudence for all transaction types.
First-Time Homebuyers
Comprehensive guidance for first-time homebuyers navigating the purchasing process. We translate mortgage jargon into plain language, explain down payment options, and identify qualifying programs that reduce initial costs. Our support extends through every stage from pre-approval to closing, ensuring clients understand their financial commitments and ownership rights.
Refinancing
Strategic refinancing solutions that evaluate current market conditions against client financial goals. We analyze break-even points, interest rate differentials, and closing cost tradeoffs to determine optimal refinancing timelines. Clients receive scenario comparisons showing potential savings in monthly payments and total interest over loan terms.
Credit Counseling
Targeted credit counseling services that assess credit reports and develop action plans for improvement. Our approach focuses on mortgage-specific credit factors like debt-to-income ratios and tradeline management rather than generic score boosting tactics. We help clients distinguish between impactful credit actions and unnecessary efforts that won't affect loan approval.
LGBTQA+ Community Support
Specialized mortgage support for LGBTQA+ clients navigating unique housing challenges. We address discrimination avoidance strategies, name change documentation processes, and relationship-specific mortgage titling considerations. Our track record includes advocating for inclusive lending practices while maintaining strict financial standards that separate personal biases from loan underwriting requirements.
People
Gary Boyer
Certified Mortgage Planner
Licensed mortgage professional with 20+ years experience specializing in personalized financing solutions. Recognized for LGBTQA+ advocacy and relationship-based service approach. Licensed in Oregon, Washington, and Arizona with NMLS #57785.
Questions
What mortgage options exist for first-time homebuyers?
We specialize in first-time homebuyer programs with down payment assistance, reduced fees, and flexible credit requirements. Our team explains all available options during your initial consultation.
How does credit history affect mortgage approval?
Credit history determines loan eligibility and interest rates. We provide specific guidance on improving credit factors that matter most for mortgage approvals while ignoring irrelevant metrics.
Can I refinance with bad credit?
Refinancing options exist for various credit scenarios. We analyze your financial picture to determine if refinancing makes sense and identify programs accommodating your current credit situation.
Do you work with LGBTQA+ clients?
We actively support LGBTQA+ homebuyers with specialized knowledge of unique challenges and documentation requirements. This community remains our largest client demographic since starting our practice.
What's the mortgage process timeline?
Most transactions close within 30-45 days. We maintain 24/7 availability for critical steps like house hunting and document signings, with regular progress updates throughout the process.
What areas do you serve?
Licensed in Oregon, Washington, and Arizona with primary service areas in Portland metro (Beaverton, Lake Oswego, Vancouver) and surrounding communities.
Videos
Reviews (7)
Jaime Migdalene
Dec 04, 2021
Report
Gary and his team were great! All members of his team were super nice, fast to respond to our email inquiries, and gave us helpful, detailed information every step of the way. Renee in particular assisted us frequently, throughout the application and document collection process. We would definitely use this team again! Before, during, and after closing, they are the best!
Chris Loya
Oct 25, 2021
Report
My partner and I met with Gary and he was professional, easy to talk to. He laid out options and personal experience which helped us tremendously because this was our first time buying a home. Gary and his team are incredibly efficient with paperwork, advice, tasks that needed to be done and we never waited long for updated paperwork or a change in our offers. Gary and his team are very organized and I would have to say I was never stressed through the whole process one bit.We will definitely use Gary in the future. He is a wealth of knowledge, so impressionable and a master at his craft. Thank
Rachel Pierson
Sep 29, 2021
Report
We have worked with Gary and Directors Mortgage twice now, and both times we had some big issues going into the transactions due to running our own business. This time around we had some tax issues that seemed insurmountable, but Gary and his team found a way. Whatever your situation is, Gary can find you a solution! We are so fortunate to have had his help, and would never use another company.
Ac Seagraves Popolla
Aug 26, 2021
Report
Gary and his team were extremely helpful and especially responsive throughout our lending process. I was clueless going in and they were very informative, helpful and straight-forward, which I really appreciated. I got fast responses to both calls and emails from everyone on Gary's team, which proved to be extremely important in the current market. Gary and his team surely went above and beyond and I'm so glad I chose them for my first home loan.
Keely Montgomery
Aug 18, 2021
Report
Over the years, Gary Boyer and his team at Director's Mortgage helped us through both a refinance and a home purchase. Gary is so personable and puts a great deal of care into helping his clients achieve their goals. We are so appreciative of Gary and the rest of his team and can't imagine working with anyone else!
Polly Goode
Jun 27, 2021
Report
Gary, and his team were so helpful, personable and really cared about making the process smooth and stress free. They were available for questions and help when we were putting down offers. We would highly recommend them!
Seth Benson
Mar 29, 2021
Report
Recently worked with Gary Boyer and his team to secure financing for a home. Gary and his team were great to work with and very responsive. I would definitely work with them again. My questions were always answered succinctly and with professionalism. Furthermore, after moving into my house, Gary Boyer's team sent me a small tool set as a thank you for my business. I had been fighting with a wall toggle anchor and the set had the tool I needed to remove it. Recommended.
