541-526-7210

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Our Expertise Meeting Your Mortgage Needs

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Home Purchase Home Refinance

WE'RE ONE OF CENTRAL OREGON'S TOP MORTGAGE LENDERS

NORTHWEST MORTGAGE ADVISORS IS NOT JUST ANOTHER MORTGAGE COMPANY.

You get the advantage of a local mortgage company that has the diversity of an online lender. Because Northwest Mortgage Advisors is an affiliate of Golden Empire Mortgage, one of the most respected mortgage lenders in the industry for over 35 years, we can offer our clients competitive pricing while using a large investment pool to pick and choose the most optimum loan products and programs that are in the best interest of the borrower. We are not your typical mortgage broker, we are a direct mortgage lender that has earned the trust of over 30 nationwide banks and investors, which have delegated us to use our own underwriting authority. 

 

Our team of advisors are committed to making our clients and partners feel safe and secure throughout the loan process. Apply online, give us a call or come on into our office which is located in Eagle Crest, Redmond, Oregon. Your choice, our honor. 

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Safe and Secure using our HomeConnect Portal

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About Us

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

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Loan Programs

Here at Northwest Mortgage Advisors, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

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Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

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Who doesn't want to own a home in Central Oregon?

Who doesn't want to see their kids create memories in their own room or backyard of a place to share with family and friends - a place you can call your own!

The first step in purchasing a home is getting approval from a mortgage lender. Knowledge on what home loans you qualify for will save you much grief of looking at houses that won't work for you plus give you an advantage when submitting your offer. We know the Central Oregon housing market so if you are looking for a home in Redmond, Bend, Sisters or Black Butte Ranch or Eagle Crest - we can help!

 

At Northwest Mortgage Advisors in Redmond, Oregon, we offer

➤ Conventional and Jumbo Home Loans

➤ FHA, VA, and USDA Home Loans

➤ 1st Time Buyer Home Buyer Programs

➤ Second Home / Resort Home Financing

➤ Down Payment Assistance Programs

➤ Home Cash Out Refinancing

➤ Conventional home loans for manufactured homes

➤ Investment property mortgage lending (1-4 units)

Contact Us

  Visit my Website

Jim Kreminski

Title: Direct Lender, Branch Manager & Advisor
NMLS #348261

Phone: 541-526-7210
Cell: 541-526-7210
Email: jkreminski@gemcorp.com Email Me
  Visit my Website

Amanda "Mandi" DeVicente

Title: Loan Originator/Processor
NMLS #692979

Phone: 541-218-2915
Cell: 541-218-2915
Email: adevicente@gemcorp.com Email Me

Angie Farmer

Title: Loan Originator Assistant

Phone: 541-390-0491
Cell: 541-390-0491
Email: afarmer@gemcorp.com Email Me

Joyce Kreminski

Title: Administrative Manager

Phone: 541-480-2291
Cell: 541-480-2291
Email: joycek@gemcorp.com Email Me

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Jim and Joyce made the process of obtaining my home loan the easiest and least stressful, especially for a first time home buyer who didn’t know anything about buying a home. During the whole process, Jim explained everything clearly to me and wanted to make sure we got the best rates and loan for us. They were able to get my new home closed earlier than expected and were in constant communication with me the entire time and readily available for any questions or concerns that came up. I can't recommend them enough! Thank you for helping us first time home buyers, we will definitely be using them again if we need another home loan and recommending them to all our friends and family!

Lindsey and Erik Lira

Redmond, OR

2022-05-24
Jim and Joyce made the process of obtaining my home loan the easiest and least stressful, especially for a first time home buyer who didn’t know anything about buying a home. During the whole process, Jim explained everything clearly to me and wanted to make sure we got the best rates and loan for us. They were able to get my new home closed earlier than expected and were in constant communication with me the entire time and readily available for any questions or concerns that came up. I can't recommend them enough! Thank you for helping us first time home buyers, we will definitely be using them again if we need another home loan and recommending them to all our friends and family!

Lindsey and Erik Lira

Redmond, OR

2022-05-24
Absolutely Fantastic!! Knowledgeable, Professional, Hard working! I recommend them highly to anyone in need of professional mortgage lender assistance.
Jeff N. | Redmond OR

Jeff N

Redmond, OR

2022-05-24
Jim and Joyce are a true lender power team! We really enjoyed working with them as they helped to ensure the entire home buying process was stress free. As a military family looking to relocate to Central Oregon, we needed a lender who could support us from long distance, and they exceeded our expectations. If you are looking to buy a home we highly recommend them and we most definitely plan to use them in the future.

Charity and Donavan H

LaPine

2022-05-24
Jim and Joyce are a true lender power team! We really enjoyed working with them as they helped to ensure the entire home buying process was stress free. As a military family looking to relocate to Central Oregon, we needed a lender who could support us from long distance, and they exceeded our expectations. If you are looking to buy a home we highly recommend them and we most definitely plan to use them in the future.

Charity and Donavan H

LaPine, OR

2022-05-24
The process of obtaining my loan was the easiest and most clear process I have been through. Starting with the loan application, Jim explained everything to me. Including, how my score affects my rates and things I could do to improve it for a better rate. They were able to get my new home closed very quickly and were in constant communication with me the entire time. I can't recommend them enough! Thank you for making what I thought was going to be a stressful process, a very easy and stressless purchase.

Melissa Chapman

La Quinta, CA

2022-05-24
The process of obtaining my loan was the easiest and most clear process I have been through. Starting with the loan application, Jim explained everything to me. Including, how my score affects my rates and things I could do to improve it for a better rate. They were able to get my new home closed very quickly and were in constant communication with me the entire time. I can't recommend them enough! Thank you for making what I thought was going to be a stressful process, a very easy and stressless purchase.

Melissa Chapman

La Quinta, CA

2022-05-24
Mandi and the entire team were fantastic! As a first time homebuyer, I began the process with little knowledge. Northwest Mortgage Advisors walked me step by step ensuring that I was informed and comfortable throughout the entirety of the loan process. Mandi made herself available to answer all of my questions and worked diligently on overcoming some of the challenges that came up due to my own personal circumstances. I am proud to say that I am now a homeowner, with the right loan that works for me and my family thanks to Northwest Mortgage Advisors.

Dominic Detorossian

Redmond, OR

2022-05-24
Mandi and the entire team were fantastic! As a first time homebuyer, I began the process with little knowledge. Northwest Mortgage Advisors walked me step by step ensuring that I was informed and comfortable throughout the entirety of the loan process. Mandi made herself available to answer all of my questions and worked diligently on overcoming some of the challenges that came up due to my own personal circumstances. I am proud to say that I am now a homeowner, with the right loan that works for me and my family thanks to Northwest Mortgage Advisors.

Dominic Detorossian

Redmond, OR

2022-05-24
Our realtor referred us to Northwest Mortgage Advisors. Jim, Joyce, and their team are very easy to work with and they stay in communication throughout the loan process.
Straightforward, honest, and educational. They helped us step by step and answered all my questions. If you are looking for experienced people to process your home loan, look no further, these folks are the truth.

Tbata

Bend, OR

2022-05-24
Our realtor referred us to Northwest Mortgage Advisors. Jim, Joyce, and their team are very easy to work with and they stay in communication throughout the loan process.
Straightforward, honest, and educational. They helped us step by step and answered all my questions. If you are looking for experienced people to process your home loan, look no further, these folks are the truth.

Tbata

Bend, OR

2022-05-24
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.

True Slate

Sunriver, OR

2022-05-24
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.

True Slate

Sunriver, OR

2022-05-24
I was house searching but had no luck finding a lender to accept because of my bankruptcy. However, one day I googled and came across Jim.
I gave him a call and discussed my situation and he was very welcoming and personable. He was very informative and he helped me find the best loan possible. After expressing several interest in a couple different homes, he was very patient and made the entire process easy. He has been in the industry a long time and has a lot of experience. He’s quick to respond, efficient and super friendly. After a few months, we finally found our dream home, made an offer and closed! Jim and Joyce made everything as painless as possible and I am proud to say because of them, they’ve helped me become a home owner. Thank you for the patience and hard work and making this possible.

Betty Vang

Portland, OR

2022-05-24
I was house searching but had no luck finding a lender to accept because of my bankruptcy. However, one day I googled and came across Jim.
I gave him a call and discussed my situation and he was very welcoming and personable. He was very informative and he helped me find the best loan possible. After expressing several interest in a couple different homes, he was very patient and made the entire process easy. He has been in the industry a long time and has a lot of experience. He’s quick to respond, efficient and super friendly. After a few months, we finally found our dream home, made an offer and closed! Jim and Joyce made everything as painless as possible and I am proud to say because of them, they’ve helped me become a home owner. Thank you for the patience and hard work and making this possible.

Betty Vang

Portland, OR

2022-05-24
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.

Jerra De Leon

Sutherlin, OR

2022-05-24
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.

Jerra De Leon

Sutherlin, OR

2022-05-24
We worked with Jim to secure financing on our new home. He is so knowledgeable and helpful. He really came through by advising us through the process, even when some last minute things popped up. Since they are a brokerage, rather than one bank, he has access to lots of different loan types. He found the ideal loan that worked for us. We will definitely use him again. Highly recommend!

Kelly WInter

Redmond, OR

2022-05-24
We worked with Jim to secure financing on our new home. He is so knowledgeable and helpful. He really came through by advising us through the process, even when some last minute things popped up. Since they are a brokerage, rather than one bank, he has access to lots of different loan types. He found the ideal loan that worked for us. We will definitely use him again. Highly recommend!

Kelly WInter

Redmond, OR

2022-05-24
We were referred by our friends that moved to Redmond, although we don’t live in Redmond Jim made it possible to purchase our very first home! We had tried to qualify for years but were constantly let down by other mortgage advisors only to say try again next year. Jim and Joyce made us feel very comfortable throughout the entire process and were always optimistic! We’re so thankful to have found them and will use them for all our future purchases, we recommend them 100%. Thank you Jim and Joyce!

Gabby Rosales

Salem, OR

2022-05-24
We were referred by our friends that moved to Redmond, although we don’t live in Redmond Jim made it possible to purchase our very first home! We had tried to qualify for years but were constantly let down by other mortgage advisors only to say try again next year. Jim and Joyce made us feel very comfortable throughout the entire process and were always optimistic! We’re so thankful to have found them and will use them for all our future purchases, we recommend them 100%. Thank you Jim and Joyce!

Gabby Rosales

Salem, OR

2022-05-24
This was a very smooth and professional process to refinance my home. The user-friendly technology is great for submitting your documents; especially if you're prepared and ready to go. For that matter the staff at Northwest Mortgage Advisors keep you in the loop the entire time so there are no surprise delays. Great Job by the entire Northwest Mortgage Advisor team with Jim and Joyce at the helm!
Kelly M. | Bend OR

Kelly M

Bend, OR

2022-05-24
The Northwest Mortgage Advisor team is amazing! My husband and I have happily worked with them on 2 home loans. Everyone is extremely detailed, responsive, very knowledgeable, organized, and just plain nice!
We highly recommend them with no reservations!

Char Self

Bend, OR

2022-05-24
The Northwest Mortgage Advisor team is amazing! My husband and I have happily worked with them on 2 home loans. Everyone is extremely detailed, responsive, very knowledgeable, organized, and just plain nice!
We highly recommend them with no reservations!

Char Self

Bend, OR

2022-05-24
We worked with Jim and Joyce on a loan with a lot of moving parts. They were helpful, knowledgeable, and most importantly creative as we worked through the process. Appreciate the team being available (via email, text, phone) and being genuinely interested in us!

We'd give 6 stars if we could and will definitely work w/ Jim, Joyce, and team next time (hopefully in Tetherow ;)

Trevor Reader

Bend, OR

2022-05-24
We worked with Jim and Joyce on a loan with a lot of moving parts. They were helpful, knowledgeable, and most importantly creative as we worked through the process. Appreciate the team being available (via email, text, phone) and being genuinely interested in us!

We'd give 6 stars if we could and will definitely work w/ Jim, Joyce, and team next time (hopefully in Tetherow ;)

Trevor Reader

Bend, OR

2022-05-24
I highly recommend the services offered by Jim and his team. My first experience working with Jim was during the purchase of my first home in California in 2008. Jim patiently answered each and every question. The support he provided was invaluable as he led me through the process step by step. Jim's expertise and experience combined with his genuine sincerity clearly demonstrates his investment in each client's best interest. I truly appreciate both his personal and professional capacity. Since 2008, I have contacted Jim multiple times for additional services during the refinancing process. I not only value Jim's knowledge but also his honesty. I have referred him to multiple friends and would use no one else! Thank you Jim and Joyce!

Jaime W

San Diego, CA

2022-05-24
I highly recommend the services offered by Jim and his team. My first experience working with Jim was during the purchase of my first home in California in 2008. Jim patiently answered each and every question. The support he provided was invaluable as he led me through the process step by step. Jim's expertise and experience combined with his genuine sincerity clearly demonstrates his investment in each client's best interest. I truly appreciate both his personal and professional capacity. Since 2008, I have contacted Jim multiple times for additional services during the refinancing process. I not only value Jim's knowledge but also his honesty. I have referred him to multiple friends and would use no one else! Thank you Jim and Joyce!

Jaime W

San Diego, OR

2022-05-24
Working with Jim and his team was a very good experience. I have been a real estate broker for over 35 years and I deal with many mortgage brokers in my business. I choose Jim to do my last 4 personal loans and all have gone very smoothly. Jim and Joyce took a personal interest in helping me through the process and I consider them friends. I have recommended Jim and his team to my personal family members.since I know he will make sure they are given the best service and advice. . Thanks Jim and Joyce!

Annie M

Bend, OR

2022-05-24
Working with Jim and his team was a very good experience. I have been a real estate broker for over 35 years and I deal with many mortgage brokers in my business. I choose Jim to do my last 4 personal loans and all have gone very smoothly. Jim and Joyce took a personal interest in helping me through the process and I consider them friends. I have recommended Jim and his team to my personal family members.since I know he will make sure they are given the best service and advice. . Thanks Jim and Joyce!

Annie M

Bend, OR

2022-05-24
Great service and attention to my loan application and approval process. They were with me all the way through closing. Thanks.

Erle MacDonald

Redmond, OR

2022-05-24
Great service and attention to my loan application and approval process. They were with me all the way through closing. Thanks.

Erle MacDonald

Redmond, OR

2022-05-24
Always available when I had a question. Good people to work with.

Isaac Guerrero

Roseburg, OR

2022-05-24
Always available when I had a question. Good people to work with.

Isaac Guerrero

Roseburg, OR

2022-05-24
Jim is wonderful! Very thorough and would highly recommend

Krista S

Redmond, OR

2022-05-24
Jim is wonderful! Very thorough and would highly recommend

Krista S

Redmond, OR

2022-05-24
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 ❤️

Katrina Gaylor

Prineville, OR

2022-05-24
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 ❤️

Katrina G

Prineville, OR

2022-05-24
Absolutely Fantastic!! Knowledgeable, Professional, Hard working! I recommend them highly to anyone in need of professional mortgage lender assistance.

Jeff N.

Redmond, OR

2022-01-17
This was a very smooth and professional process to refinance my home. The user-friendly technology is great for submitting your documents; especially if you're prepared and ready to go. For that matter the staff at Northwest Mortgage Advisors keep you in the loop the entire time so there are no surprise delays. Great Job by the entire Northwest Mortgage Advisor team with Jim and Joyce at the helm!

Kelly M.

Bend, OR

2022-01-17
Just closed on 2nd refi for my house last month with NW Mortgage Advisors. Jim & Joyce are the best. They go above and beyond to speed up the process and keep you informed. I highly recommend NW Mortgage Advisors to anyone seeking a home loan or refi.

David P.

OR

2022-01-17
My very good friend, Linda referred me to Jim Kreminski approximately four years ago. She knew I was looking for a home to purchase. Linda told me that she, her sister and her daughters had worked with Jim many times. Linda told me Jim was the broker I should work with. Linda gave me Jim’s business card and I called him.
Jim Kreminski is an ultimate professional. No matter when I called him, texted or emailed him I always received a response. He answered all questions never leaving out any details. Jim got me pre-approval and I must have contacted him seems like 15 times or more to verify if a property was FHA approved and he was always very kind and patience with me.
In June 2013, I found my dream home and it was Jim Kreminski who was there each step of the way to get me the best financing possible. Whenever I need financing I contact Jim. It is always my pleasure to work with Jim.

Regina N.

Prineville, OR

2015-04-20
Our highest recommendation and praise goes to Jim Kreminski for his assistance as mortgage adviser during the purchase of our first home in Sisters, OR in April, 2013. Jim's knowledge and insight in his field were invaluable as we learned what we needed to in order to purchase our first home. Jim's willingness to share his expertise greatly encouraged us and aided us on the path to becoming real estate investors as well as home owners. His interaction was extremely helpful and his response time to emails/phone calls always prompt.

We look forward to working with Jim again for future home purchases in this area.

Alan and Miranda Smoke

Sisters, OR

2013-09-09
Working with Jim was an excellent experience. Having dealt with several other mortgage brokers in the past, I had developed a general distrust of financiers. From the beginning I felt Jim was someone I could trust. Jim went out of his way to keep us in the loop and insure we understood the process and our options. I always knew Jim was looking out for our best interests. In the end, Jim helped us use our buying power in the most efficient and responsible way possible. I have no regrets and would highly recommend Jim Kreminski to my good friends, or anyone else for that matter. Thanks Jim!

Chris Stoaks

Redmond, OR

2013-09-05
I have been doing business with Jim Kreminski for over 20 years and I have never had a bad experience with him. He is honest, hardworking and knowledgeable. I do not think I would have been able to do the business I have done these past years without him. I highly recommend Jim for all your loan needs.
With Jim you can be confident if he says the loan can be done, it will be done.

Suzanne Witdbrodt - Realestate Agent/Remax

Redmond, OR

2013-08-20
Jim, I just wanted to take the time to thank you for all your assistance in refinancing my house in California. I know that the process is difficult enough with a house locally, but to assist me with one out of state that took virtually almost no time to complete and very little time out of my schedule was nothing short of miraculous. Again, thanks for all your help and please feel free to use me as a reference for the future.

Allan Hudson OD

Redmond, OR

2013-08-20