Mike Gillett
Founder and CEO of Mortgage Marketplace
NMLS #362285
Based in Salem, OR · Licensed in 7 States
Helping homebuyers, homeowners, veterans, and real estate investors compare mortgage options with personal guidance and clear communication.
Independent Brokerage, Many Lenders
Licensed in 7 States
NMLS #2367229
Decades of Combined Experience
30 Years of Mortgage Lending Experience You Can Trust
Mike Gillett is the Founder and CEO of Mortgage Marketplace and has been helping homebuyers, homeowners, veterans, and real estate investors achieve their real estate goals for 30 years. Based in Salem, Oregon, Mike serves clients throughout Oregon, California, Washington, Idaho, Texas, Florida, and Montana. His experience spans a wide range of financing needs, from first-time homebuyers purchasing their very first home to seasoned homeowners refinancing, upgrading, downsizing, or expanding their investment portfolios.
Mike works with a diverse range of borrowers, including veterans, active-duty military members, educators, healthcare professionals, first responders, law enforcement officers, retirees, self-employed borrowers, and real estate investors. He helps clients explore financing solutions such as Conventional loans, FHA loans, VA loans, USDA loans, Jumbo loans, HELOC, DSCR loans, Alternative Document Home Loans, and Investment Property loan programs.
Known for his transparent communication and client-first approach, Mike believes that every borrower deserves clear guidance, personalized recommendations, and a financing strategy tailored to their unique goals. His focus is not simply on helping clients secure financing, but on building long-term relationships and serving as a trusted resource throughout every stage of homeownership.
Housing Oregon's Heroes
Mike is also the creator of Housing Oregon’s Heroes, a program designed to support eligible teachers, healthcare professionals, first responders, law enforcement officers, veterans, and military families through discounted lending costs when purchasing or refinancing a home.
Whether you’re buying your first home, refinancing your current mortgage, purchasing an investment property, or planning your next move, Mike is committed to making the financing process straightforward, transparent, and stress free.
Why Clients Choose Mike
Founder and CEO of Mortgage Marketplace
Specialist in First-Time Homebuyer Financing
VA, FHA, Conventional, Jumbo, HELOC, DSCR, and Investment Property Financing
Creator of Housing Oregon's Heroes
Personalized Guidance and Clear Communication
Long-Term Relationship Focused Approach
Answers Before You Ask
What states is Mike Gillett licensed in?
Mike Gillett is licensed to originate mortgages in seven states: Oregon, California, Washington, Idaho, Texas, Florida, and Montana. He is based at Mortgage Marketplace’s Salem, Oregon office and works with clients throughout those states by phone, email, and secure online portal, so you do not need to live near Salem to work with him.
What is Mike Gillett's NMLS number?
Mike Gillett’s NMLS number is 362285. He is the Founder and CEO of Mortgage Marketplace LLC, NMLS #2367229. Both licenses can be verified any time through the NMLS Consumer Access database at nmlsconsumeraccess.org.
Does Mike Gillett work with first-time homebuyers?
Yes. First-time buyers are one of the largest groups Mike works with. He walks through buying power, down payment options, credit requirements, and loan programs before you make an offer, so you know your real numbers going in. Many first-time buyers use FHA loans, which allow as little as 3.5% down, or down payment assistance programs that reduce the cash needed at closing.
Does Mike Gillett help veterans and active-duty military?
Yes. Mike works with eligible veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses using VA home loan benefits. VA loans require no down payment and no monthly mortgage insurance for those who qualify. He also created Housing Oregon’s Heroes, which discounts lending costs for military families and other public-service professionals.
Does Mike Gillett work with real estate investors?
Yes. Mike finances rental and investment properties for both first-time and experienced investors. Along with conventional investment property financing, he works with DSCR loans, which qualify based on the property’s rental income rather than your personal tax returns. That is often a better fit for investors whose returns show significant write-offs.
Does Mike Gillett work with self-employed borrowers?
Yes. Self-employed borrowers, business owners, and 1099 contractors are a regular part of his work. When tax returns do not reflect what someone actually earns, alternative document loans can use bank statements, 1099s, or verified assets to document income instead. Mike reviews how your income is actually earned before deciding which approach fits.
What loan types does Mike Gillett help with?
Mike works across the full range of residential financing: conventional, FHA, VA, USDA, jumbo, HELOC and home equity, DSCR investment property loans, alternative document loans for self-employed borrowers, renovation loans, reverse mortgages, and down payment assistance. Because Mortgage Marketplace is an independent brokerage rather than a bank, he compares programs and pricing across many lenders instead of one institution’s menu.
Does Mike Gillett help with refinancing?
Yes. Mike works with homeowners refinancing to lower a rate, shorten a term, remove mortgage insurance, or access equity through a cash-out refinance or HELOC. He runs the break-even math first, showing how long it takes for the savings to cover the closing costs, and will tell you directly if refinancing does not improve your position.
What is Housing Oregon's Heroes?
Housing Oregon’s Heroes is a program Mike Gillett created to discount lending costs for the people who serve our community: teachers, first responders, law enforcement, healthcare professionals, veterans, and military families. Eligible borrowers receive reduced loan origination fees when buying or refinancing a home.
How do I schedule a call with Mike Gillett?
You can schedule a call directly through the consultation link on this page, call his direct line at (503) 510-8780, or email mike.gillett@mmhomeloans.com. There is no cost or obligation for an initial conversation about your options.
What Clients Are Saying
Ready to Talk Through Your Options?
Schedule a call with Mike and take the next step with confidence.