01
Talk it through
Book a call on my calendar. We walk through your income, your goals, and the numbers you are working with. No credit check, no pressure, no jargon.
Local Mortgage Broker · NMLS #278947
Local Expertise.
Lower Rates.
I'm a local mortgage broker helping people with home loans, minus the bank. 22 years in the business, 170+ lenders competing for your loan, and every option explained in plain English.
Oregon · Washington · Texas · Indiana
Now Funding
30 Yr Fixed
Floor Index · The Numbers That Matter
22 1000+ 170+ 2004
Years in mortgage · Loans funded · Lenders competing · Where it all started
Est. 2004
The Process · Straight Lines, No Detours
From your first questions to cleared to close.
No jargon, no pressure, no mystery. Just a clear path from your first question to your move-in date, with someone who explains the math at every step.
02
Get your numbers
I shop your loan across 170+ wholesale lenders and come back with the options that actually fit. We compare rates, terms, and closing costs side by side.
03
Close with confidence
Once you are approved, we track every requirement together. When you hear "your loan is cleared to close," it will not be a surprise.
New to buying? Start with the free General Homebuyer Guide, the plain-English walk through the whole process.
Download the General Homebuyer GuideThe Broker Advantage
170+ lenders compete for your business.
A bank sells you the one product it has. An independent broker takes your file to the wholesale market, where 170+ lenders compete to win it. That competition is where the savings show up, in the rate, in the fees, and in the programs that actually fit your life.
- More loan programs than any single bank or lender can offer
- Rates and closing costs compared side by side, in writing
- One person answers your questions from application to close
- A fiduciary-style relationship built on education, not a sales script
Fig. 01 · The wholesale market, working for you
Who I Help
The programs behind each stage of life.
First-Time Buyers
Down payment math, credit readiness, and the programs that make month one affordable. You will understand every number before you sign.
Learn moreMove-Up & Growing Families
Selling and buying at the same time is the hard part. We sequence the sale, the new loan, and the timing so you are never stuck between two closings.
Learn moreInvestors
Rent rolls, equity, and portfolio strategy. I underwrite deals the way lenders do, so you know what works before you make an offer.
Learn moreRefinance
Rates moved, equity grew, or your goals changed. We run the numbers to see if a new loan actually pays for itself.
Learn moreSelf-Employed
Two years of returns, profit and loss, and the right lender who reads them fairly. Freelancers and business owners qualify more often than they think.
Learn moreNot sure where you fit?
Most of my clients call after a life change. Tell me what is happening in your world and I will tell you what is possible.
Book a CallMost clients call after a life change
A new job with more income Moving to a new area A growing family Starting a family Marriage
Moving up before selling your current home? Worried about affordability as a first-time buyer? Those exact questions are my specialty. We sequence the sale, the purchase, and the financing so the transition works, not just on paper but in your life.
Read the full review"He is honest, transparent, and maintained open communication throughout the entire process. No matter how many questions we had, he always responded quickly and made sure we understood every step along the way. We never felt left in the dark, and we always knew what to expect next."
Recent Reels · Jeff on Instagram
Connect with Jeff on Instagram.
Connect with Jeff on Instagram: @naylorhomeloans for the latest reels.
Swipe to browse · 3 reels
Client Reviews · On Google
Five stars from the families I have helped.
A few examples of the kind of feedback Jeff receives from clients. The live Google review feed could not be embedded here, so these cards are sample reviews marked as such, written in the voice of Jeff's clients. To read the full, current reviews straight from people who have closed with him, head over to his Google listing.
“Jeff walked us through every number before we signed anything. As first-time buyers in Vancouver we had a hundred questions, and he answered each one with patience and no pressure. We always knew exactly what was happening next.”
Megan W.
First-time buyer · Vancouver, WA Sample review
“Selling our starter home while buying our next one felt impossible. Jeff sequenced the sale, the new loan, and the timing so we were never stuck between two closings. Straight answers from a team-first guy we trust.”
The Rodriguez Family
Move-up · Camas, WA Sample review
“No one has ever explained the numbers the way Jeff did. He shopped my file across multiple lenders, and the rate and fees beat the big banks by real money. Now he is the first person I recommend.”
Kevin O.
Investor · Portland, OR Sample review
Service Areas · OR & WA
Where Jeff works.
Licensed in Oregon and Washington (plus Texas and Indiana), with home base in Camas and clients across the Portland Metro and SW Washington region. Same straight answers, whichever side of the Columbia your home is on.
Camas
Clark County
~$860K
Vancouver
Clark County
~$490K
Portland
Multnomah County
~$555K
Ridgefield
Clark County
~$650K
Washougal
Clark County
~$640K
Happy Valley
Clackamas County
~$660K
Clark County
Clark County
~$540K
Multnomah County
Multnomah County
~$555K
Washington County
Washington County
~$550K
Clackamas County
Clackamas County
~$640K
Beaverton
Washington County
~$530K
Lake Oswego
Clackamas County
~$970K
Gresham
Multnomah County
~$495K
Clackamas
Clackamas County
~$610K
Longview
Cowlitz County
~$410K
Lewis County
Lewis County
~$445K
From the Blog · Borrower Education
Straight talk, in writing.
How Mortgages Work
The Mortgage Toolbox Has Expanded: How Non-Traditional Loans Are Winning Deals in the Pacific NW
Asset-based loans, bridge financing, DSCR, LLC purchases: the old lending boxes no longer apply. A mortgage broker's look at the non-traditional loans winning deals in the Pacific NW.
Read post
How Mortgages Work
Closing Costs Explained: What They Are and What to Budget
The plain-English breakdown of closing costs: lender fees, title, appraisal, and prepaids, where they come from, when they are due, and how to see every one of them in writing.
Read post
First-Time Buyers
Common Mortgage Mistakes to Avoid (Before They Cost You)
The mistakes I see most often in 22 years of lending, from moving money around before closing to skipping pre-approval, and the small habits that keep your loan on track.
Read postStart Here
Let's talk numbers.
Tell me where you are starting: a first home, a move-up, a refinance, or just a question you cannot find an answer to. I will come back with straight answers and the real numbers, and you decide what happens next.
- A response within one business day, usually faster
- Rates, fees, and programs compared in writing
- No pressure and no obligation to move faster than you are ready
Jeff Naylor · Mortgage Broker · NMLS #278947