More than a mortgage,
a mission

As a full-service, nonprofit mortgage lender, we help prospective buyers throughout Oregon with financing options that are competitive, non-commissioned, and always with your best interests in mind for guidance you can count on.

$156M+

In mortgages financed since 2003

Benefits

Mission-Driven Lending

As a full-service, nonprofit mortgage lender, we help prospective buyers throughout Oregon with financing options that are competitive, non-commissioned, and always with your best interests in mind for guidance you can count on.

Non-Commissioned Loan Officers

Arrive Loan Officers are focused on you, not their commission. This means you’ll experience lending without pressure, no upselling, and transparent, unbiased information to get you the best loan possible.

Competitive Rates

We strive to offer competitive rates and thoughtful loan structures designed to support your long-term financial stability. Meaning we don’t just want you to secure financing through us, but want you to be successful in your homeownership journey for years to come. Rates and terms vary based on your individual qualifications and market conditions.

Arrive home with us.

See if you’re 
“mortgage ready.”

If you can answer “yes” to the following questions, you may be ready:

Do you have a steady and reliable source of income? (Generally at least two years in your current line of work)

Is your credit score generally 660 or higher?

Have you started saving or identifying funds for your down payment and closing costs?

Do you have a financial cushion for the additional costs of homeownership, like moving expenses, maintenance, and unexpected repairs?

If you’ve experienced a financial setback (such as bankruptcy or foreclosure), have you had time to recover and rebuild your credit (for example, has it been at least four years since your bankruptcy was discharged)?

I'm Ready
I'm Ready

Not ready yet?

Our pre-purchase counseling and educational resources can help you prepare.

Learn more

What we offer

Mortgage Loans

We’ll walk you through a range of low, fixed-interest loan options for first-time and repeat homebuyers alike. These can include conventional, FHA, VA, and USDA loans.

Refinancing

Refinancing your home can help lower your rate or unlock funds for home projects. Our Loan Officers can explore refinancing options that best align with your goals.

Next Home Purchases

When you’re ready for your next home or to explore opportunities to grow your assets, we offer financing options for a range of home purchases — including second homes and investment properties. Reach out to us to schedule a lending appointment to get started.

Our lending team

  • Jessenia Juarez

    Lending Director
    NMLS ID #993168

  • Wilfredo Saravia

    Bilingual Loan Officer
    NMLS ID #1702177

  • Bernice Platz

    Lending Operations Coordinator

  • Monica Johnson

    Sr. Mortgage Loan Processor

  • Sandy Gregory

    Loan Processor

When you’re ready, reach out to us to get started with our loan officers.

Work With Us

FAQ

  • No, we offer our lending services to everyone throughout the state of Oregon. We’re eager to help you buy your next home, vacation property, or investment property.

  • That depends. Your home price, loan program, closing costs, and any required reserves all go into account when purchasing a home. Our loan officers can walk you through your options and explore ways to reduce upfront costs where possible.

  • Great question! We’ll need two months of recent paystubs, bank or financial statements for all of your current accounts, your Federal Tax Returns from the past two years, and your W2s. If you’re self-employed, two years of 1099s or Schedule Cs.

  • A hard inquiry will only be done with your permission. Once you’ve worked with our loan officers to explore your potential financing options, a hard inquiry can be done to move forward.

  • That can depend on which loan program you choose. Minimum credit score requirements can vary, so don’t let that deter you from working with us for the best option. We’ll help you evaluate which loans you’re eligible for.

  • No, we welcome and work with homebuyers from a range of income levels and goals. Our loan officers have access to a variety of loans so you can trust we’ll find something that fits your budget.