Business Details
Your Trusted Mortgage Partner in Salem, OR
Mortgage First has been dedicated to simplifying the mortgage process for homebuyers and refinancers since our founding. Our team of experienced brokers specializes in providing personalized loan solutions tailored to meet the unique financial needs of each client. With expertise in conventional, FHA, VA, and USDA loans, we offer competitive rates and transparent guidance throughout the entire mortgage journey. Our streamlined digital application process and fast funding options ensure clients can secure their dream homes or optimize their existing mortgages efficiently. Backed by decades of combined industry experience, we prioritize clear communication, proactive problem-solving, and exceptional customer service.Our commitment to ethical lending practices and client education has earned us a reputation as a trusted partner in homeownership. We serve Oregon and Washington residents with in-person and virtual support, adapting our hours to accommodate client needs. Through innovative tools like instant rate quotes and property evaluations, we empower informed decision-making. Our track record of successful transactions reflects our dedication to turning homeownership goals into reality while maintaining the highest standards of professionalism.
Services
Home Purchase Loans
Refinance Rates
VA Loans
FHA Loans
USDA Loans
Jumbo Loans
Reverse Mortgage
Cash-Out Refinance
Pre-Approval Letters
Property Evaluations
Highlights and features
- We offer 30+ years of combined mortgage industry experience
- Our team provides personalized loan solutions for unique financial situations
- We guarantee fast funding options for urgent home purchases
- Our rate comparison tools ensure optimal mortgage terms
- We maintain 24/7 client communication during active transactions
Associations and certifications
- NMLS (National Mortgage Licensing System)
What people say
Great communication
Knowledgeable team
Stress-free process
Fast funding
Proactive support
Services
Home Purchase Loans
Secure financing for new home purchases with competitive rates and flexible terms. Our brokers help first-time buyers and experienced homeowners navigate conventional, FHA, and specialty loan programs. We provide pre-approval letters and property evaluation tools to streamline the buying process while ensuring clients understand all mortgage options available.
Refinance Rates
Optimize existing mortgages through rate-and-term refinancing or cash-out options. We analyze current market rates and client financial situations to reduce monthly payments, shorten loan terms, or access home equity. Our fast funding process ensures timely realization of savings or home improvement opportunities.
VA Loans
Specialized mortgage solutions for military veterans and active-duty personnel. These zero-down-payment loans with reduced closing costs offer competitive rates and flexible qualifying criteria. Our VettedVA professionals provide expert guidance through the VA loan application process for purchases or refinancing.
FHA Loans
Low-down-payment mortgage options insured by the Federal Housing Administration. Ideal for first-time buyers with moderate credit scores, these loans require as little as 3.5% down. Our team simplifies the FHA loan process with clear documentation requirements and competitive rate offerings.
USDA Loans
Zero-down-payment mortgage programs for qualifying rural and suburban homebuyers. These USDA-guaranteed loans offer competitive rates and flexible underwriting standards. We assist clients in determining eligibility based on property location and household income requirements.
People
Kris Norton
Mortgage Broker
Certified mortgage professional with 15+ years of experience guiding first-time homebuyers through complex loan processes. Specializes in VA and conventional loans with a focus on personalized client education.
Claire Allen Mahoney
VettedVA Specialist
Veteran-focused mortgage expert with expertise in VA loan programs. Maintains 98% client satisfaction through transparent communication and timely transaction management for military families.
Todd Allen
Senior Loan Officer
30-year industry veteran specializing in jumbo loans and complex property transactions. Recognized for resolving underwriting challenges and securing favorable terms for high-value home purchases.
Melissa Puttkammer
Loan Specialist
Client-focused mortgage advisor with expertise in USDA and rural development loans. Known for responsive communication and simplifying paperwork for first-time homebuyers in Oregon.
Kerry
Mortgage Consultant
Specialist in non-traditional mortgage solutions with deep knowledge of alternative lending programs. Helps clients with unique financial situations achieve homeownership through creative problem-solving.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, and reverse mortgages with competitive rates and flexible terms.
How quickly can you process a mortgage application?
Most applications complete in under 30 days with our streamlined digital process and dedicated loan officer support.
Do you offer VA loans for military veterans?
Yes, we specialize in VA loans with zero down payment options and dedicated VettedVA professionals.
Can I refinance my existing mortgage?
Yes, we offer rate-and-term refinancing and cash-out options to reduce payments or access home equity.
How do I get pre-approved for a mortgage?
Complete our online pre-approval request to receive personalized loan options based on your financial profile.
What areas do you serve?
We serve all Oregon and Washington counties with in-person consultations and virtual support statewide.
