
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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Reviews from Web
Jim, Joyce and the team did a great job! Knowledgable, responsive, accommodating and kind.
Highly recommend and we will be using them again!
Reply from Owner
October 16th, 2022 12:00 AM
Thanks Jamie. We are grateful for your trust and wishes for many happy years in Bend.
We had the best experience with Mandi and Angela! They made our home buying a breeze, and kept us informed every step of the way.
Reply from Owner
October 16th, 2022 12:00 AM
Mohler Family..... We are so grateful for you giving us the opportunity to serve you with your mortgage needs and we are also grateful for Mandi and Angie. (: Lots of best wishes for many years of happiness in your new home!
Jim and Joyce are a true lender power team! We really enjoyed working with them as they helped to ensure the entire home buying process was stress free. As a military family looking to relocate to Central Oregon, we needed a lender who could...
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Reply from Owner
October 16th, 2022 12:00 AM
Welcome to central Oregon Hatch family. It was truly our honor to assist you with you mortgage needs. Thank you for the great review and thank you for serving our country. (:
Jim and Joyce made the process of obtaining my home loan the easiest and least stressful, especially for a first time home buyer who didn’t know anything about buying a home. During the whole process, Jim explained everything clearly to me...
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Reply from Owner
October 16th, 2022 12:00 AM
Assisting first time home buyers is one of our greatest pleasure. Many many wishes for making great memories and a whole lot of happy first for your family. Congratulations!
Always available when I had a question. Good people to work with.
Reply from Owner
October 16th, 2022 12:00 AM
Thank you Isaac for sharing your review.
Mandi and the entire team were fantastic! As a first time homebuyer, I began the process with little knowledge. Northwest Mortgage Advisors walked me step by step ensuring that I was informed and comfortable throughout the entirety of the loan...
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Reply from Owner
October 16th, 2022 12:00 AM
We love assisting first time buyers. Wishing you many years of happiness in your new home.
Joyce Kreminski has received a review with 5 star rating from Nick T
Reply from Owner
October 16th, 2022 12:00 AM
Thank you for the review.
Our realtor referred us to Northwest Mortgage Advisors. Jim, Joyce, and their team are very easy to work with and they stay in communication throughout the loan process.Straightforward, honest, and educational. They helped us step by step and...
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Reply from Owner
October 16th, 2022 12:00 AM
It was our honor to be your lender of choice. Wishing you many happy years in your new home! (:
Jim is wonderful! Very thorough and would highly recommend
Reply from Owner
October 16th, 2022 12:00 AM
Thank you Krista for the review!
Best company for the job. We are first time home buyers and Jim and Joyce were such a huge help! They broke everything down for us and made it all much easier to understand. Could not be more happy with our experience.
Reply from Owner
October 16th, 2022 12:00 AM
We are so happy for you two. Enjoy your new home and welcome to Central Oregon!
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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