Joyce Kreminski
Northwest Mortgage Advisors
Northwest Mortgage Advisors, a division of Golden Empire Mortgage, Inc. is a privately held, full-scale mortgage banker with more than 75 retail branches throughout Oregon and the rest of the country. Golden Empire Mortgage was founded in ... Show More
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Working with Joyce and Jim is always such a seamless and easy process. They are very thorough and guide us through everything. Thank you Again for all your hard work!
Reply from Joyce Kreminski
October 8th, 2026 03:48 AM
Christine, I'm pleased to know that you found the refinancing process with Jim and me at Golden Empire Mortgage, Inc. seamless and easy. We are honored and as always, " Thank you for the Opportunity" ~ Jim and Joyce
Always such a please working with Jim and Joyce. We’ve been working with these two since 2019. They’re amazing at what they do and make every process seamless. Thank you again for all your hard work over the years.
Reply from Owner
October 9th, 2026 12:00 AM
Thank you Christine for taking the time to post a review. We appreciate you and Andrew for always giving us the opportunity to serve you with your mortgage needs. Our pleasure!
We have worked with Joyce and Nw mortgage before and they are by far best experience. Very knowledgeable, helpful, resourceful and professional. Great people, great company.They truly listen to what your needs may be. You are not just a number....
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Reply from Joyce Kreminski
October 2nd, 2026 06:04 PM
Karlous, I'm grateful for your kind words and happy to hear that you found our team knowledgeable and attentive at Golden Empire Mortgage, Inc. It's always my goal to listen carefully and ensure you feel valued throughout the process.
Jim and Joyce have been nothing but spectacular! They helped navigate our family through the refinancing process making is as simple as possible. The level of service and professionalism was very much appreciated. We will undoubtedly be using...
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Reply from Joyce Kreminski
August 31st, 2026 01:35 PM
Andrew, I'm grateful for your kind words and pleased that I could assist your family with the refinancing process. It's wonderful to hear that you appreciated the level of service and professionalism. I look forward to working with you again...
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Joyce was both professional and personable during the process. She set expectations along the way, so there were really no surprises.
Reply from Joyce Kreminski
July 27th, 2026 04:20 PM
Loren, I'm glad to hear that my professional and personable approach made your experience a positive one. Keeping expectations clear is important to me, and I'm pleased it helped ensure a smooth process for you. If you have any future needs,...
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Joyce's knowledge based, understanding of our specific needs and situations made for a very pleasant experience! She was always available, and willing and able to help!
Reply from Joyce Kreminski
July 2nd, 2026 07:26 PM
Erika, I'm pleased to know that my understanding of your specific needs contributed to a pleasant experience. Being available and helpful is important to me, so I'm glad it made a difference for you. If there's anything else you require in...
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Knowledgeable and able to work with unusual circumstances made for the most pleasant experience. Much appreciated and 100% recommend!!
Reply from Owner
October 9th, 2026 12:00 AM
Thank you Erika for taking the time to review. Honored that you chose me to be your mortgage lender and part of your journey!
Joyce was delightful to work with. She walked me through every step of the loan process and was very patient with answering all my many questions.
thank you Joyce for making the experience wonderful!
Reply from Joyce Kreminski
June 22nd, 2026 10:33 PM
Thank you for the opportunity to serve you with your mortgage needs. Completely my honor. (:
Joyce was great working with us and helped with us obtaining all information needed. She went above and beyond our expectations. She explained things clearly and helped make getting our loan completed smoothly. We would use her again.
Reply from Joyce Kreminski
June 11th, 2026 07:47 PM
Monte, I'm grateful for your kind words and pleased to hear that I could assist you throughout the loan process. It's great to know everything went smoothly and that I could exceed your expectations. If you ever need further assistance, I'm...
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Great communication!
Reply from Joyce Kreminski
March 3rd, 2026 03:54 PM
Tara, it's wonderful to know you appreciated the communication throughout the process. If there's anything else you need or if any questions come up in the future, I'm here to help.
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About
Northwest Mortgage Advisors, a division of Golden Empire Mortgage, Inc. is a privately held, full-scale mortgage banker with more than 75 retail branches throughout Oregon and the rest of the country. Golden Empire Mortgage was founded in 1987 and is based in Bakersfield, California. Home Loans. Simplified. Since 1987™.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
Adjustable Rate Mortgages
USDA Loans
Qualified Mortgage Pre-Approvals
Specialities
FHA, VA and USDA Home Loans
Conventional Loans
Jumbo Loans
DPA (downpayment assistance) Programs
Reverse Mortgages
HELOC (home equity line of credit) and HELOAN (home equity loan)
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Positions
- Northwest Mortgage Advisors - Loan Originator and Administrative Mgr.Jan 30th, 2015 - Current
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Pacific Standard Time (PST)
Licenses
- Oregon