Business Details
19 Years
experience
Your Trusted Mortgage Broker in the Pacific Northwest
Vantage Mortgage Group has been a nationally recognized, locally owned independent mortgage brokerage in the Pacific Northwest since 2007. Our mission centers on transforming mortgage access through transparency and competition, operating exclusively for clients rather than lenders. With an average of 20+ years' experience per originator, we leverage relationships with over 30 wholesale lenders to secure competitive rates while maintaining fiduciary responsibility. Our systematic approach combines paperless efficiency with personalized guidance through every mortgage stage, from pre-approval to closing. Backed by 6,309 closed loans and $2.2 billion in total loan volume through September 2025, we maintain an A+ BBB rating with zero complaints.Our educational focus empowers consumers with mortgage market insights, emphasizing math-driven decisions over sales tactics. Headquartered in Lake Oswego, Oregon, we serve Oregon, Washington, and Idaho residents while supporting local small businesses.
Services
Purchase Mortgages
Refinance Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
USDA Loans
Adjustable Rate Mortgages
Home Equity Solutions
First-Time Buyer Programs
Details
- Year established: 2007
Highlights and features
- We work exclusively for clients, not lenders
- Compare rates from 30+ wholesale lenders
- Transparent pricing with no hidden fees
- 20+ years average experience per mortgage originator
- A+ BBB rating with zero complaints on record
Associations and certifications
- BBB A+ Rating
- Nationwide Mortgage Licensing System (NMLS)
What people say
Seamless process
Competitive rates
Knowledgeable staff
Timely communication
Transparent fees
Services
Purchase Mortgages
We specialize in purchase mortgage solutions with competitive rates from multiple wholesale lenders. Our process compares 30+ lenders to secure optimal terms for first-time buyers and seasoned homeowners. With expertise in conventional, FHA, and VA loan programs, we guide clients through every step from pre-approval to closing.
Refinance Services
Our refinance solutions help homeowners lower payments, access equity, or adjust loan terms. We analyze current market conditions to determine ideal refinance timing while comparing multiple lender offers. Services include rate-and-term refinancing, cash-out options, and streamline programs for existing VA loans.
FHA Loans
We offer FHA-insured mortgage programs requiring as little as 3.5% down payment. Our specialists explain FHA loan benefits like flexible credit requirements and lower mortgage insurance premiums. We assist with loan limits specific to Oregon, Washington, and Idaho counties while ensuring compliance with federal guidelines.
VA Loans
Our VA loan program provides 100% financing options for eligible veterans and service members. We handle certificate of eligibility processing and explain funding fee exemptions. We maintain relationships with specialized VA lenders to secure competitive rates while explaining seller concession limits and funding fee financing options.
Jumbo Loans
We provide jumbo loan solutions exceeding conventional loan limits across the Pacific Northwest. Our team compares non-conforming loan programs from multiple lenders while explaining unique underwriting requirements. We assist with down payment strategies and interest rate options tailored to high-value property purchases.
People
Andy W. Harris
President / Mortgage Broker
With over 15 years in mortgage banking, Andy leads Vantage's client-first approach. He specializes in complex loan scenarios and maintains NMLS #124161. Andy focuses on educating consumers about mortgage market dynamics while ensuring ethical lending practices.
Yumi Lynch
Mortgage Broker
Yumi brings 12 years of mortgage expertise to Pacific Northwest clients. NMLS #252022 certified, she specializes in first-time homebuyer programs and streamlines the loan process through digital solutions while maintaining personalized client support.
Todd Gydesen
Mortgage Broker
Todd offers 18 years of mortgage industry experience to Oregon, Washington, and Idaho clients. As NMLS #89835, he focuses on VA loans and military relocation benefits while maintaining a reputation for responsive communication and market expertise.
Questions
What is a mortgage broker and how do you make money?
We are independent representatives who compare loan offers from multiple wholesale lenders. Our compensation comes from lender-paid fees after loan closing, ensuring our recommendations prioritize client needs without additional costs.
How do you get better rates than banks?
By maintaining relationships with 30+ lenders, we create competition for your business. This allows us to secure pricing that individual lenders cannot match while maintaining objective comparisons through our internal pricing engine.
What credit score do I need for a mortgage?
Minimum credit score requirements vary by loan type: 620 for conventional, 580 for FHA, and no minimum for VA loans. We help clients understand how credit scores impact interest rates and loan options.
Can I lock my interest rate?
Yes, we offer rate locks once your loan application is complete. Our market expertise helps determine optimal lock timing based on mortgage-backed securities movements to protect against rate increases during processing.
How long does the mortgage process take?
Average closing time is 30 days, though this varies by loan type and complexity. Our paperless systems and direct communication approach help expedite processing while maintaining thorough underwriting standards.
What documents are needed for pre-approval?
Basic pre-approval requires income verification (pay stubs/tax returns), asset statements, and credit authorization. We provide customized document checklists and help explain any additional requirements during the application process.
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