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.
Jeff Naylor is a local mortgage broker and lifelong Northwesterner based in Camas, Washington. He helps homebuyers across the Portland Metro and Southwest Washington find the right home loan, minus the bank. With 22 years in lending and more than 1,000 loans funded, Jeff shops your loan across 170+ wholesale lenders so they compete for your business, and he walks you through every option 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
How much home can you really afford?
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. Most of my clients are buying in the $400K-$1.2M range, whether it's a first home or a move-up.
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 GuideWhy work with a mortgage broker instead of a bank?
The 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. After 22 years and 1,000+ loans funded, I know exactly which lender will give your file a fair read.
- 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
Which loan program is right 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 CallCan you qualify with self-employed income?
Yes, and more often than you think. Freelancers, gig workers, and business owners qualify for home loans all the time, your income just has to be documented a certain way: two years of returns, a year-to-date profit and loss, and sometimes bank statements. There are loan programs that read that income fairly, and after 22 years and 1,000+ loans funded, I know which lenders to match your file to.
Most 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.
FAQ · Straight Answers First
Mortgage Questions, Answered.
The first questions buyers ask, answered up front with the real numbers. If yours is not here, the full FAQ covers the rest, or just call.
01 How much house can I afford?
How much house can I afford?
Your budget depends on your income, debts, down payment, and the current rate, but a good rule of thumb is that your total monthly housing payment stays under roughly 28% of your gross income. Jeff can run your exact numbers in minutes.
02 What credit score do I need to buy a home?
What credit score do I need to buy a home?
Conventional loans prefer a 620 or above, but scores under 620 can be approved case by case, FHA loans can work with a 580, and VA and USDA loans have flexible requirements. Jeff can help you find the program that fits your score.
03 How much do I need for a down payment?
How much do I need for a down payment?
It can be as little as 0% with VA or USDA loans, 3% with conventional, or 3.5% with FHA, and Oregon and Washington both offer down payment assistance programs . Jeff will show you which options your situation qualifies for.
04 Should I buy now or wait for rates to drop?
Should I buy now or wait for rates to drop?
No one can time the market, and waiting can cost more in rising prices than it saves in rate. Jeff can run your numbers both ways so you decide with real math, not guesses.
05 Why work with a mortgage broker instead of a bank?
Why work with a mortgage broker instead of a bank?
A broker shops 170+ lenders for your exact scenario instead of offering one bank's rate sheet, which can mean a better rate, more program options, and more negotiating power. Jeff compares the whole market side by side .
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.
Real five-star reviews from clients who have closed with Jeff, straight from his Google listing. To read the full, current reviews from people who have worked with him, head over to his Google listing.
“Jeff is the absolute best. Jeff helped my wife and i buy our dream home. It was not the easiest situation with our financial situation and with the unique home we purchased. But Jeff was able to make it happen. Jeff was a pleasure to work with. Knowledgeable, a great communicator, and worked with us every step of the way to get us to closing. We cannot recommend Jeff more! Highly recommend”
Doug Brenner
39 weeks ago
“Working with Jeff Naylor was an outstanding experience from start to finish. As first-time homebuyers, we had a lot of questions and uncertainties, but Jeff was there for us every step of the way. He was always available whenever we needed him and consistently provided top-tier service, making the entire process feel smooth and stress-free. Jeff’s knowledge, responsiveness, and dedication truly set him apart. He took the time to understand exactly what we were looking for and helped guide us to the perfect home. Thanks to his hard work and expertise, we found the home of our dreams. We couldn’t have asked for a better experience, and we credit Jeff for making it all happen. Thank you, Jeff!”
Nathan Sutter
24 weeks ago
“I've purchased a lot of real estate. Jeff Naylor is the most diligent and creative mortgage broker that I've ever worked with. I would not hesitate for a moment to recommend him to any of my friends, nor would I hesitate for a moment to ask for his assistance for another real estate purchase in the future.”
Yiming Mei
8 weeks ago
Service Areas · OR & WA
Where Jeff works.
Licensed as a mortgage broker in Oregon, Washington, Texas, and Indiana, with home base in Camas and clients across the Portland Metro, the Willamette Valley, and SW Washington. 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
Milwaukie
Clackamas County
~$520K
Oregon City
Clackamas County
~$560K
Hillsboro
Washington County
~$550K
Tigard
Washington County
~$610K
West Linn
Clackamas County
~$800K
Wilsonville
Clackamas County
~$700K
Tualatin
Washington County
~$640K
Sherwood
Washington County
~$630K
Salem
Marion County
~$435K
From the Blog · Borrower Education
Straight talk, in writing.
First-Time Buyers
How to Save for a Down Payment: A Practical Plan
A stat-free plan for saving for a down payment: set a realistic target, automate the saving, keep the money safe, and know which sources actually count when it is time to apply.
Read post
Market Update
Rates Fall to 7.24%: Two Straight Weekly Declines
Freddie Mac's survey put the 30-year fixed at 7.24% for the week ending October 29, its second straight weekly decline. What it means for Portland Metro and SW Washington buyers.
Read post
First-Time Buyers
Using Gift Money for Your Down Payment: What Counts and What Doesn't
Gift money for a down payment, explained: who can give it, what lenders ask you to document, how the money has to move, and the line between a true gift and a loan.
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