Our philosophy is to provide the lowest possible rate for every borrower, every time. Over 32 years of experience doing so proves it.

We are a direct lender as well as a mortgage broker. This allows us the ability to provide the lowest possible rates available in the marketplace; we pass this along to our borrowers. MiJoy Mortgage is affiliated with Willamette Valley Bank, dba Bank of Oregon Home Loan Centers and can lend in all 50 States; Willamette Valley Bank is an FDIC full service bank and deposit institution dedicated to providing the finest lending experience available. 

We provide professional, personalized, individual service to every client in every marketplace; we utilize local area real estate and other professionals in your community when processing and closing your loan.

You simply will not find a better or more comfortable process; we take care of our clients every step of the way. We carefully analyze specific loan needs and make certain we provide the right loan at the best price, every single time. We follow up; to and beyond loan closing.

Whether inquiring or proceeding with a loan, privacy and confidentiality is held to the strictest standards. We do not proceed with credit inquiries or other items until our clients authorize it. We utilize the most modern loan process techniques available to insure privacy and on time closings.

We are the lender that makes sense, and protects our client needs above all else.

If you need a real estate agent in your community, please contact MiJoy first; we can recommend an experienced, seasoned professional to you.

Contact us now to experience the most professional and sensible process you will ever experience. Thank you for visiting.

Contact MiJoy now.