Established in 2007, Vantage Mortgage Brokers is one of the only independent mortgage firms in the Pacific Northwest today. Locally owned and operated in Lake Oswego, Oregon, Vantage has become a nationally recognized company from the impact made within the industry and unique consumer-focused platform. As many can imagine, the regulatory environment has greatly changed in the mortgage and housing industry in recent years. As a result, awareness and adaption on consumer impact must control the vision of a mortgage company now and in the future through collecting data and facts over all else. Vantage Mortgage Brokers has embraced these changes with their vision and experience and relies on their clients’ positive feedback and price advantage to produce more referrals. They align their clients in the best position they see possible which is as a true mortgage broker without steering to one lender or corporate special interests. Because of this, Vantage persistently educates consumers and colleagues on understanding the indisputable math and data around mortgage operations rather than the hard sales pressure that many consumers and others receive in the primary mortgage marketplace.
Nearly 50% of all homebuyers and those refinancing spend more time shopping for shoes than they do their mortgage. This is a big problem for such a large investment and simply resulting from a lack of awareness. Retail mortgage lenders and banks have invested a lot of time and money to influence consumers and others inside and outside the industry from shopping them on quality and terms. This is certainly not in the consumer’s best interests and the person facing the process of a new long-term mortgage liability. Vantage believes iron sharpens iron and for the best outcome on terms, speed, and quality….competition and independence is required. Under retail and correspondent lending, the Mortgage Loan Originator (MLO) is employed and influenced by ONE lender. Under the Vantage model with multiple wholesale lender partnerships, the Mortgage Loan Originator (MLO) is influenced exclusively by their CLIENT. This exposes multiple programs, rate sheets, and options. Most importantly, this independence produces competition in every sector of the residential mortgage process for the consumer.
“Our main objective is to educate consumers on how residential mortgage financing works in the United States. We do not have salespeople, we have mortgage professionals that persistently educate our clients. We embrace only math and facts rather than sales terms and strategies. We rely on indisputable data to attract those that wish to be in a better financial position with their mortgage liability. When it comes to math, combined with our reputation, our position is also indisputable. We are the only channel in the primary mortgage market that works exclusively for our clients. The more educated the consumer, the greater chance they will become a Vantage client when comparing mortgage providers.”
“Obtaining a new loan for the purchase or refinance of a home is a very important financial decision. We have created a smooth, informative, and stress-free loan processing system we have found to best suit whatever lending climate we are facing. We believe that every client requires our full attention so that no details are missed and loan options are specifically customized for each borrower. Positive client reviews is our driving motivation.”
“Low overhead, effective systems, and heightened industry-related education requirements allows our clients the ability to experience more qualified representation at a lower cost.” – Andy W. Harris, President
At VMB, we are proud as a local small business to offer the most experienced team of elite Mortgage Professionals for Oregon, Washington & Idaho residents. We consistently strive to offer consumers the best possible mortgage experience by using a transparent and systematic approach that makes lenders compete for your business. The more educated the consumer, the greater the chance they will become a Vantage client when comparing mortgage providers. Experience Matters. Our VMB Originators have on average over 20 Years of individual industry experience. Contact any of our Vantage Brokers with questions about your home purchase or refinance needs.
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MISSION Transform the way consumers get access to mortgages, with transparency and competition
VISION Educate and be available to serve all mortgage consumers in our service area so lenders authentically compete for their business
ACTION Deliver lower mortgage costs and a faster origination experience by working for YOU rather than the lenders, using a transparent and systematic approach to making lenders compete for YOUR business
VISION Our company was positioned (as defined by our name) to best suit consumers in today’s primary mortgage market. A lot has changed over the years and our leadership was ahead of these changes, embracing the best channel of primary mortgage origination. Our vision and principals will always be ahead of the competition and we’re proud to be one of the few ‘true’ Mortgage Brokers in the Pacific Northwest.
ACCESS Our independence and exclusive client representation allows us to offer access to multiple lenders and investors that very few mortgage providers can. Lenders must compete for our clients business and our reputation and partnership with these vetted investors ensures that we secure our clients with the most favorable terms and execution through rating and comparison in all areas.
NATIVE We love the Pacific Northwest and our entire team was born and raised here. Vantage is locally owned in Oregon, serving Oregon, Washington & Idaho consumers exclusively. From loan application to closing, all origination activities are handled from our Lake Oswego office. We appreciate consumers that support local small businesses.
TRANSPARENT We are the proud minority that operates with independence in the most transparent residential mortgage channel today. Our exclusive client representation offers clear choices without influence or corporate interests in steering toward one lender. Competition and choice is the only way to monitor pricing and expose the best mortgage lenders in the country.
AMBITIOUS We have a strong desire to succeed and help our clients succeed when securing a new mortgage. We have high aspirations and focus on being leaders in the mortgage industry locally and nationally.
GUIDE Our experienced staff guides our clients through the analytical decisions that must be made when securing a new mortgage liability and locking an interest rate and term. Market volatility and life changes all play a role in mortgage planning. We’re here to share our expertise and advice to help meet the financial goals of our clients.
EVOLVE Our company has continued to quickly adapt to any changes in this volatile primary mortgage market. We have embraced technology and created systems and operations that best suit the climate we’re in and what we believe will result in the most favorable execution and client experience. Our position, expertise, reputation, and integrity supports the goal of retaining our clients for life.
Why Should You Work with Vantage Mortgage Brokers?
- No special interests. We work exclusively for our clients and carry no influence from business affiliations or steering toward bank or bank line priorities.
- Full disclosure. We expose any premiums received in the interest rate to apply as a credit to reduce closing costs and settlement charges.
- The ability to compare. We compare the rates and costs of multiple lenders and programs to provide several customized choices resulting in more favorable loan terms.
- Service. Our heightened focus on communication and paperless processing system allows us to expedite your loan application for a smooth and enjoyable experience.
Pricing. Our low overhead and flexibility for choice and comparison allows us to provide very competitive pricing many feel is unmatched. - Market Watch. Our Loan Consultants have a very close grasp on the mortgage-backed securities market to provide rate lock suggestion in this volatile bond market which can save $.
- Your Loan Consultant is local, licensed under the Nationwide Mortgage Licensing System ( NMLS), and complies with the Safe Act for entry-level and continuing education, including fingerprinting and background check.
Reputation and experience. Our reputation and respect in the marketplace has been earned by our ability to exceed expectations and always do the right thing. - “A+” rating with the BBB, including 0 complaints and nominated for small business of the year 3 years running.
- Serving our community. Vantage Mortgage Group is owned and operated locally in the Pacific NW – supporting our neighbors and local small business.
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…is to educate consumers on how residential mortgage financing works in the United States. We do not have salespeople but mortgage professionals who persistently educate our clients. We embrace only math and facts rather than sales terms and strategies. We rely on indisputable data to attract those who wish to be in a better financial position with their mortgage liability. Our position is also indisputable regarding math, combined with our reputation. We are the only channel in the primary mortgage market that works exclusively for our clients. The more educated the consumer is, the greater the chance they will become a Vantage client.