Business Details
39 Years
experience
Your Trusted Mortgage Partner in Central Oregon
Northwest Mortgage Advisors has been a trusted name in residential lending since 1987, serving Central Oregon communities from our Redmond office. As a direct mortgage lender and affiliate of Golden Empire Mortgage, we combine local expertise with nationwide resources to offer competitive loan products tailored to individual needs. Our team of seasoned professionals, including Branch Manager Jim Kreminski with over 30 years of industry experience, specializes in guiding clients through home purchase and refinance processes with transparency and personalized service.We maintain partnerships with over 30 national banks, enabling us to secure optimal financing solutions while maintaining rigorous underwriting standards. Our commitment to customer satisfaction is reflected in our 5-star ratings across major review platforms and decades of repeat business from satisfied clients.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
Down Payment Assistance
First Time Buyer Programs
Refinance Options
Manufactured Home Loans
Investment Property Financing
Details
- Year established: 1987
Highlights and features
- We offer direct mortgage lending with access to 30+ national investors
- Our team includes NMLS-certified professionals with decades of local experience
- We provide personalized loan guidance from application through closing
- We maintain a 5-star rating across major review platforms
- We utilize secure digital tools for efficient document submission and tracking
What people say
Amazing service
Knowledgeable team
Smooth process
Personalized support
Quick communication
Services
Conventional Loans
Conventional home loans offer flexible terms for primary residences, investment properties, and second homes. These mortgages typically require higher credit scores and down payments but provide competitive rates without mortgage insurance for qualified borrowers. Our team helps clients navigate loan-to-value ratios and debt-to-income requirements to secure optimal financing solutions.
FHA Loans
FHA-insured loans enable low-to-moderate income borrowers to purchase homes with minimal down payments. We specialize in helping clients meet FHA credit requirements while maintaining competitive interest rates. Our process includes detailed counseling about mortgage insurance premiums and long-term affordability.
VA Loans
We provide specialized VA loan processing for eligible military personnel and veterans. Our team handles Certificate of Eligibility verification and ensures compliance with VA appraisal standards. These zero-down payment loans offer unique benefits for qualified service members and their families.
Reverse Mortgages
Our HECM-certified counselors guide homeowners aged 62+ through reverse mortgage options. We explain payment structures, equity preservation strategies, and how these loans can supplement retirement income while maintaining property ownership.
Down Payment Assistance
We connect qualified buyers with local and national down payment assistance programs. Our specialists verify eligibility for grants and low-interest loans that reduce upfront costs while ensuring compliance with program-specific requirements and income limitations.
People
Jim Kreminski
Branch Manager & Direct Lender
With over 30 years in mortgage banking, including 17 years at JP Morgan Chase, Jim leads our Redmond branch since 2011. His expertise in complex loan structures and commitment to personalized service have earned him multiple industry accolades.
Joyce Kreminski
Administrative Manager
NMLS-certified since 2011, Joyce ensures smooth loan processing with her attention to detail. Her administrative leadership helps maintain our 5-star customer satisfaction ratings across multiple review platforms.
Mandi DeVicente
Loan Originator
With 10 years as a licensed mortgage originator and 20+ in banking, Mandi specializes in first-time homebuyer programs. Her patient guidance through complex transactions has earned consistent 5-star reviews from clients.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, jumbo, reverse mortgages, down payment assistance programs, and investment property loans.
Do you work with first-time homebuyers?
Yes, we specialize in first-time homebuyer programs and provide step-by-step guidance through the entire process.
How can I get pre-approved for a mortgage?
Apply online or contact our Redmond office to start the pre-approval process with our NMLS-certified loan officers.
What areas do you serve?
We serve all Central Oregon communities including Bend, Redmond, Sisters, Sunriver, and Prineville.
Can I refinance my existing mortgage?
Yes, we offer multiple refinance options including cash-out refinance and rate/term adjustments.
Reviews (4)
True Slate
Oct 17, 2021
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Best company for the job. We are first time home buyers and Jim and Joyce were such a huge help! They broke everything down for us and made it all much easier to understand. Could not be more happy with our experience.
Ashley Smith
Oct 16, 2021
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Jenna Lee was amazing in handling our loan. We were so grateful for her hustle when the market was hot. She was johnny on the spot, her attention to detail was on point and she fought for the lowest rate helping us attain our dream home that was well within our budget. I highly recommend Jenna Lee if you are looking for a lender in the Bend Or/Sister Or area! She's hands down, the very best!
Katrina Gaylor
Sep 21, 2021
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We are so thankful for all the help from Mandi and Angela! They both were super helpful with this crazy housing market! And we're on top of getting our papers to us and letting us know of any changes or news. Very happy with our experience
Jerra De Leon
Sep 21, 2021
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Mandi is amazing at her job! Always on top of things, always responded back as fast and efficiently as possible. She went above and beyond to make the experience of buying a home smooth and stress free. I would highly recommend her to anyone trying to buy a home.
