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Thank you for checking out my site. I am Mitch Wilcox, a native Oregonian that began my real estate and lending career in 1977. I have traveled to many parts of our country, and have really enjoyed learning about the varied and unique people, cultures and geography that contribute to the strength of these United States. What a great country we live in! 

I can lend in all 50 States and have the experience doing so.

My philosophy is to provide the lowest possible loan cost and rate for every borrower, every time. Over 34 years of experience doing so proves it!

I am a direct lender as well as a mortgage banker and broker. This allows me the ability to provide the lowest possible rates available in the marketplace; I pass this along to our borrowers.

MiJoy Mortgage is my personal website. I am an employee of 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.

Privacy Policy:

Privacy Policy for Individuals

Willamette Valley Bank Disclosures

We Respect Your Privacy - At Willamette Valley Bank we recognize, respect and protect the personal

privacy rights of all our customers. We realize that our customers entrust us with personal information

and it is our policy to maintain our customers' information in a confidential manner. We are committed to

providing the highest level of security and privacy regarding the collection and use of our customers'

personal information, as well as personal information of all consumers who visit our institution and

website. We have never shared nonpublic personal information except as required by law and we will

continue to protect your privacy.

What Information We Collect - We may collect “nonpublic personal information” about

you from the following sources:

• Information we receive from you on applications or other forms, such as your name,

address, social security number, assets and income.

• Information about your transactions with us or others, such as your account balance

and payment history.

• Information we receive from a consumer reporting agency, such as your

creditworthiness and credit history.

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with

providing a financial product or service to you. For example, nonpublic personal information includes

information regarding your account balance, payment history, and overdraft history.

Information We Disclose – We do not disclose any nonpublic personal information about our customers

or former customers to anyone, except as required by law.

Disclosure As Permitted By Law – We may disclose all of the information we collect, as described

above to service providers and companies that perform marketing services on our behalf (for examplecheck

printing companies). When we enter a contractual agreement with a service provider, we prohibit

them from disclosing or using that information for any other purpose.

Our Security Procedures - We restrict access to nonpublic information about you to those employees who

need to know that information to provide products or services to those consumers. We train our

employees about the importance of maintaining the confidentiality of customer information. Employees

who fail to follow our established standards are subject to disciplinary action. We maintain physical,

electronic, and procedural safeguards that comply with federal standards to guard your nonpublic

personal information.

How We Maintain the Accuracy of Customer Information - We continually strive to maintain complete

and accurate information about you and your accounts. Should you find inaccurate or incomplete

information in our records, we will investigate your concerns and correct any inaccuracies in a timely

manner.

Providing Privacy Information to Customers and Responding to Inquiries - At Willamette Valley Bank,

we value our customer relationships and hope you will remain with us for many years to come. If you

ever have questions or concerns about the integrity of your account information, please don’t hesitate to

call the Bank at (503) 485-2222 or write to us at: Willamette Valley Bank, P.O. Box 2747, Salem,

Oregon 97308-2747.