Better Home Loans Start with Better Rates
As an independent broker, we shop multiple lenders for you, then walk you through the numbers so the choice is clear. Whether you are buying your first home, refinancing, or growing an investment portfolio, you get real options and straight answers. Licensed across seven states.
Mortgage Calculator
Estimate your monthly payment
Compare Rates
See your options side by side
Pre-Approval Letter
Get ready to make an offer
Refinance Analysis
See if refinancing pays off
One Broker. Access to Many Lenders.
A bank can only offer its own loans. We are independent, so we compare programs and pricing from a wide lender network and bring you the ones that actually fit.
More lenders,
more options
We shop a broad lender network, so you are not stuck with one bank’s rates or rules.
Experience that
pays off
Decades of combined experience guiding buyers, homeowners, and investors through every kind of market.
Wholesale
pricing
Broker access to wholesale rates that retail banks often cannot match.
Licensed in
seven states
Oregon, California, Washington, Idaho, Texas, Florida, and Montana.
Which Loan Is Right for You?
Start with what you’re trying to do, then explore the loan types that fit.
Guidance for Every Kind of Borrower
Whatever your situation, first-time buyer, self-employed, veteran, or investor, we tailor the loan search to fit you.
First Time
Homebuyers
Low and zero down payment programs and step-by-step guidance for your first home.
Self Employed and Business Owners
Qualify with bank statements or 1099 income when tax returns do not tell the whole story.
Veterans and
Military
Put your VA benefit to work with zero down and no mortgage insurance.
Real Estate
Investors
Finance rentals using the property’s cash flow, not your personal income.
Three Steps, No Surprises
Tell us your goal
Buying, refinancing, or investing, we start with what you want to accomplish.
See your real options
We compare programs and pricing across lenders and lay out the numbers.
Move forward with confidence
You know your payment and your next step before you commit.
Serving the Heroes of Our Community
Housing Oregon’s Heroes is a fee-discount program created by Mortgage Marketplace to help the professionals who serve our communities get into homes with lower costs. Qualifying borrowers may receive discounted loan origination fees. The program recognizes public-service professionals with practical savings and straightforward mortgage guidance.
“I created Housing Oregon’s Heroes because the people who serve our community, teachers, first responders, military, and healthcare workers, deserve a real path to homeownership. This program is my way of helping make that a little more affordable and a little more within reach for them.”
Mike Gillett, Founder & CEO
What Clients Say After Closing
Real reviews from the buyers, homeowners, and investors we have helped.
Home Financing,
Explained Clearly
New to home buying or weighing your options? Our plain-language guides walk you through every step.
Answers Before You Ask
Get straightforward answers about home loans, pre-approval, refinancing, credit, down payments, and the mortgage process.
What is Mortgage Marketplace and how can it help me get a better home loan?
Mortgage Marketplace is an independent mortgage broker based in Salem, Oregon, serving borrowers across seven states. Instead of offering only one lender’s products, we help compare mortgage options from multiple lenders. This gives home buyers, homeowners, and investors a clearer look at available rates, fees, terms, and loan programs. You can request a personalized quote to review options based on your goals.
How do I get pre-approved for a home purchase?
Pre-approval reviews your income, assets, credit, and buying goals before you make an offer on a home. It helps you understand your price range and shows sellers your financing has been reviewed. The process is simple, free, and often completed quickly when documents are provided upfront. Closing takes 21 to 30 days in most cases.
Should I refinance my mortgage right now, and what options are available?
How does comparing multiple lenders help me save on my mortgage?
Are mortgage rate quotes free and do they affect my credit?
What does a mortgage broker do, and how is that different from going to a bank?
What credit score do I need to buy a home?
How much down payment do I need to purchase a home?
Can I qualify for a mortgage if I am self-employed?
How long does the mortgage approval process take?
The timeline depends on the loan type, documentation, appraisal, underwriting, and purchase contract details. Pre-approval is often completed within one to two business days when documents are complete. Closing takes 21 to 30 days in most cases. Clear documentation helps prevent avoidable delays.
What documents will I need to apply for a home loan?
Are there special programs for teachers, first responders, or veterans?
Can I buy a new home before I sell my current one?
Can I use gift funds toward my down payment?
What are closing costs, and how much should I budget for them?
Closing costs commonly range from 2% to 5% of the loan amount. They can include lender fees, title fees, escrow costs, appraisal fees, prepaid taxes, insurance, and interest. Some costs may be covered through seller concessions or structured into the loan when allowed by the program. A Loan Estimate gives an early itemized breakdown so you can review costs before moving forward.
Licensed Across Seven States
We serve buyers, homeowners, and investors in Oregon, California, Washington, Idaho, Texas, Florida, and Montana. Oregon offices in Salem and Eugene.
Rate Updates and Home-Buying Tips
Get mortgage insights, rate updates and home financing tips delivered straight to your inbox
Our Mortgage Professionals
Licensed brokers who put your interests first.
