All Testimonials

I have known Joel since he was my high school science teacher. While he is no longer teaching science, he is still a teacher which is one of the things I love about Options Financial. When my wife and I decided to purchase our first property we were full of questions. Joel and his team didn’t just give us the answers, they educated us and let my wife and I make the decisions that were best for us. The no pressure/educational environment was refreshing in a typically stressful business. In the end Emily and I found the perfect property with the right financing which, allowed us to start our real estate portfolio off on the right foot. Emily and I recommend Joel and his team to anyone looking for mortgage services. If you are still looking, look no further, you have found your team.

Greg and Emily L.  – Portland, OR

Options Financial came highly recommended by a friend who works in the home loan industry.  When we reached out to Options my husband and I weren’t sure that we were in a good position to buy, but we wanted to see what we pre-qualified for. Instead of putting all of our eggs in one basket we initially chose to partner with two lenders simultaneously to see which worked best for us. Options Financial blew their competitor out of the water. The difference in our experience between the two was night and day. Options had us pre-approved within a couple of days of our first conversation, and they were already working on a credit approval for us that week. What initially seemed like a distant possibility became something tangible for us, and we quickly began the search for our new home.  Options set us up with an amazing smartphone app that allowed us to enter in the key info for each property (along with loan/interest options) to see what our estimated mortgage payment would be. It also gave us the ability to print a pre-approval letter for any property that we put an offer on. This made things quick and easy when we were ready to make an offer! We were in contract on our home before our credit approval even had a chance to clear, and we decided to go with Options as our lender. They offered us loan options that were never mentioned by the other lender, options that fit our family’s needs perfectly. Their diligence in preparing us for the underwriting process helped to expedite our final loan approval. From the beginning their performance was impeccable, and they continued to impress us as we worked with them through each new step in the process.

The response time with Options Financial was lightning fast. There were 4 people assigned to our account (Joel, Ryan, Rachael, and Rebekah), and they were all incredibly attentive and personable. It was easy to tell that they were each genuinely invested in helping us make the right decisions for our family. Joel always made time to meet with us over the phone (we live out of state). He made sure that all of our questions were immediately and thoroughly addressed, and he patiently worked with us to make sure that we understood every step of the process. Options is all about empowering their clients by giving them all the information they need to make the best decision possible, instead of putting them in a position where they must ‘blindly trust’ what they’ve been told. My husband and I came into this with no real understanding of the process or what would be required of us, and we never felt overwhelmed or uncomfortable because the options team consistently invested their time in educating us. We were always encouraged, never spoken down to.

Options Financial was by far the BEST part of our first experience in buying a home. When we closed on our home (a little over two months after we contacted Options) it was truly bittersweet. We are so happy to be homeowners, but we really did enjoy our time working with them! We have built a relationship with the Options team that I know we will maintain for years to come. Please, if you are considering home ownership, get in touch with them. I cannot imagine that any other lender will be able to provide the caliber of service that Options consistently offers their clients. If you are a realtor, do your clients a huge favor and send them to Options!

Ashley M.
Everett, WA

Reviews don’t do this organization any justice.  They are, simply, the best communicators and experts in the business.  Period.

Jeff J.
Beaverton, OR

Options Financial makes the complicated mortgage process easy. They clearly explain everything to you and make sure you are kept up to date on any changes. We first used their services two years ago to buy a house that was currently under construction and just refinanced now that there have been some FHA changes in our favor. As always there were some hiccups along the way, so having a partner like Options was extremely valuable. Most of our contact was with Joel and Michelle. They are both very knowledgeable, friendly, patient, and prompt. I highly recommend them!

Laura B.
Portland, OR

Joel Morgan is an incredible guy!!  His staff his high class and was a pleasure to work with!  I would recommend this company to any person looking to buy a home! Thanks Joel for an awesome experience!

Robert W.
Gresham, OR

This team is amazing! Mindy & Ryan took care of us throughout the whole house-buying process. We had no idea what we were doing and they took the time to explain things clearly and make sure we knew what each document meant. They moved quickly and efficiently, which is exactly what you want when purchasing a home!

We even had special circumstances that they worked with and got us the best option possible. I am so grateful for this team and the very hard work they pulled off for our home purchase. Wonderful company!

Audrey P.
Hillsboro, OR

The group of people at Options Financial have been incredibly informative, transparent, and speedy throughout my home buying and refinancing processes. Whether you’ve never bought a home before, or you’re working on your 5th, I’d highly recommend the professionals at Options Financial.  They’re skilled communicators, and you can count on them.

Josh M.
Portland, OR

Options Financial has helped me more than once. First with the initial house buying process and again with a refinance. Several individuals have helped me, including Mindy, Angie, Ryan, and Rachael. They are patient, clear, concise, and consistent. Anytime I had a question, they either emailed me back immediately or gave me a call to ensure clarification. There is a lot of paperwork involved with buying a house, but they kept everything organized and helped to make sure I was providing all of the information necessary to get through as quickly as possible. I absolutely appreciate their effort and experience!

Benjamin P.
Clackamas, OR

I used Options for my original home purchase and now my refinance. They are  always very kind, knowledgable, quick and efficient. I refer all of my friends and  family to the Options team and I know I’ll be back for all my future needs.

Nichole J.
Portland, OR

I can’t say enough how touched I am by the personal attention Joel and Tara offered  our family during our refinance. Through sickness and health, lol I would absolutely  recommend Options Financial to any family member or friend looking to purchase  or refinance. Thank you!! The Rogers Family.

Kirstan R.
Troutdale, OR

I just wanted to say that you all are a great company, & Joel is a very knowledgable  man. When I was getting ready to take my Loan Originator Test I use to watch the  Morgan Minute videos to comprehend the complex info I was learning in the books.  I love how Joel simplified things. I became such a fan that I referred a Facebook  friend to him. Her name is Ashley Mattson. They just bought their home, & they said  that the experience was wonderful!  If I lived in Portland, I’d go apply with you all in a heartbeat!  Anyway, just wanted to say keep up the fantastic work! If you all ever move the  franchise to Texas, let me know!

Manny G.

I know Joel Morgan is a special person. I knew him as a chemistry teacher for my  daughter at Southridge High School. Years later we met again, I was his personal  trainer for more than a year, we made awesome progress due to his solid athletic  background (Portland State, linebacker) and amazing work ethic. As a result of his  personal characteristics and the timing of the market his achievements were totally  predictable.

Alfred H.
Beaverton, OR

I have been a partner of Options Financial for few months now, and I’m extremely  happy with the service they have provided so far to my clients I’ve referred over.  Their communication skills and process makes it very easy on me to close a deal and  help my clients accomplish their homeownership dreams faster!

Joshua S.
Portland, Or