NMLS: 220222 / 829593 / 1850

Licensed In: OR/WA/CA/ID

Phone: 503-924-4628

Email: [email protected]

Fax: 503-536-6836

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Motto: "Serve and Empower!"


I began my career as a Chemistry teacher for Beaverton High School. While teaching, I started researching the finance industry in an effort to increase my self-knowledge before investing in real estate. I quickly developed a passion for the industry and wanted to provide home buyers with an interactive and honest approach to learning the market themselves. As Branch Manager of Options Financial Residential Mortgage, I have over eighteen years of experience in the mortgage industry.

I received my Bachelor of Science Degree in Chemistry at Linfield College.

Why Options Financial Residential Mortgage?

Knowing that Options Financial Residential Mortgage can take part in changing lives motivates me with every new client.  The most rewarding part of my job is successfully helping others into a better position for the future.  I’m confident in my team, who continuously support partners and clients, and believe proper education will empower home buyers to make successful short and long-term financial decisions.  If you’re ready to improve your financial future, I will work to turn your debt disposition towards striving for financial freedom.  I will give you the tools you need to get back on your feet.  Options Financial Residential Mortgage is excited to play a key role in helping you succeed!

When you’re NOT working, what are some of your favorite pastimes?

When I’m is not working, I spend time exploring new places with my family. I’m also actively involved in coaching my daughter’s volleyball teams, exercising, golfing, skiing, and enjoy the great outdoors!

Giving Back

At Options Financial Residential Mortgage, we believe in giving first.

Joel Morgan gives back through leadership.

  • Volunteer coach for his daughters’ volleyball teams
  • Volunteer High School Football coach
  • Volunteer High School Ski Team conditioning coach
  • Member of Hillsboro Fire and Rescue
  • Member of the National Ski Patrol
  • Actively Serve on the Council for the Evergreen Christian Center

Donations to the following organizations:

  • Evergreen Christian Center
  • Lead with Heart
  • Relay For Life

Client Testimonials

  • Joel's team did an amazing job with our refinance. They were able to do things to make buying a rental property happen significantly faster but also saved us 150k! They went above and beyond in our eyes and we will be back!
  • Joel and his team at Options RM were efficient, responsive and always courteous. Closed my loan on time and made sure I was always informed on what was happening and what the next steps were. Got me a great rate as well. Very happy to have picked them to help me with my loan and would highly recommend them to anybody looking for a home loan.
  • I am a first time home buyer. And my realtor recommended Joel and to my surprise everything went smoothly from beginning the end including documents verification, appraisal and funding on closing day. Thanks to Joel and his assistant June for completing the loan process under 30 days. I would strongly recommend Joel.
  • Options Financial got us a great rate on our refi and walked us through the process from start to finished signing. We felt supported the entire way and tasks like document uploading and signing were made convenient with their grasp of technology.
  • Joel Morgan and his team did a thorough and thoughtful job of helping us refinance our home. Our experience with Options Financial was marked by professionalism, genuine care, and timely execution. Amidst the stellar service, we were given financial tools and acumen to help us navigate future mortgage decisions. I highly recommend this team. Job well done!
  • Joel has been our broker for several years now. He is a mortgage expert and can offer great personalized consultation services. Exceptional service and hardworking team, I highly recommend their team for your needs.
  • We had a great experience refinancing our house with Joel and his team. We especially want to show our appreciation to Patty, who truly went above and beyond to help us. Overall, excellent customer service and expertise!
  • Joel Morgan and his partners were excellent in guiding and directing us through the process of refinancing our home. I would recommend them to anybody looking to purchase or finance their home. Many thanks to Joel and his partners
  • The Options Financial Team was wonderful. They answered questions quickly and helped me refinance at a much better interest rate. I would definitely recommend them. Thank you Joel and Patty!
  • Joel & his team were kind, responsive & easy to work with!
  • Joel and his team were awesome!!! He was always there to answer all my crazy questions and helped me to figure out the best way to proceed!! We closed on time and are very happy!!!
  • Joel and his team are extremely helpful. We won't go anywhere else! They answer all our questions, are honest and jump through the hoops needed to make sure everything turns out how it should. Thank you Joel, Jessica and team!!
  • Joel Morgan is a highly professional Mortgage Broker. He is knowledgeable, personable, and truly listens to his clients. Consider yourself fortunate if you get the opportunity to work with Joel!
  • Thanks to Joel and his team for a wonderful experience of purchasing our first home during the Covid-19 pandemic. We closed within 30 days. He was very informative considering the situation and was quick to reply to any concerns we had. I would recommend everyone I know his way and would definitely use them in the future.
  • My experience with them was great! They helped me through the whole process and everything went smoothly. This was my first time buying a house and Joel and Dane stayed in contact with me and made sure I knew what was needed from me and explained everything to me and now I own my own place!
  • Joel is the man! Joel worked his butt off to get my wife and I approved and into our first home. We had no idea what we were doing and Joel and his team did practically everything for us in a short amount of time. We wouldn't be living our dream if it wasn't for him and his crew!
  • Grateful for the Magician. Didn't think I could re-fi in my situation. Joel made it happen and walked me through a number of difficult questions. I had an owner carry with a low wage job for ten months and had to count boarder income. Don't know if many lenders could have made it happen. Joel did.
  • Joel and his team are by far the best to work with! My husband have worked with him since 2013 (purchasing two homes and refinancing) and have been extremely pleased with the thorough communication and attention to detail. With each transaction he has laid out several options to help us chose the right fit for our situation and thoroughly explained what everything meant. He has become one of our most important resources and set a standard difficult to beat!
  • I have worked with Joel on several occasions, and he is the best. Always prompt, professional and courteous. He answers my question patiently, offers helpful ideas, and of course, gets the deal closed!
  • Joel is AMAZING to work with! He's so good at making sure through the process you understand what is going on and explains all your options to you so you can make the best one for your family. Him and his team are so nice and work fast. My husband and I have bought two houses and refinanced with him now 3 times. We will never use anyone else! We love working with Joel and his team!
  • Joel and his team are top shelf!! They find options and clear obstacles where other brokers can't or won't. Thank you!!
  • Joel Morgan is truly outstanding and highly recommended. He was incredibly instrumental and professional in helping us with and through the loan process for our home. He went out of his way to provide us with amazing customer service and support. Thank you for all you do.
  • Couldn't be happier with how Joel and his team handled my loan. I'm the kind of person that asks a ton of questions, worries, and over-communicates. Joel was remarkably patient and thorough in getting back to my questions and educating me as requested. He helped us get a great deal on our loan, too!
  • Joel and his team were very thorough and proactive in helping us purchase our new home. This is my 3rd transaction with him and I would highly recommend him and Options Financial. Joel is able to provide multiple options throughout the process so that we are using our funds in the smartest way possible with our long term goals in mind.
  • Joel and his team were able to deliver an educational and efficient home buying process...I felt supported and listened to during a very stressful process and everyone was so positive. I highly recommend taking Joel's class and/or using his team to finance your home. You can't go wrong.

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  • © 2020 Options Financial Residential Mortgage is a division of American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.

    Privacy & Security | NMLS Consumer Access | Accessibility Statement
    NMLS 829593 / 1850 Licensed in OR, WA, CA, and ID | Licensed by the Dept of Financial Protection and Innovation under the CRMLA. Licensed under the Oregon Consumer Finance Act

    © Copyright 2021 - Options Financial Residential Mortgage

  • Oregon Office:
    NMLS 829593
    8625 SW Cascade Ave., Ste. 270
    Beaverton, Oregon 97008
    Licenced in OR, WA, CA, ID

    Washington Office:
    NMLS 787279
    201 NE Park Plaza Dr., Ste. 200
    Vancouver, WA 98684
    Licenced in OR, WA

    Bend Office:
    NMLS 2120421
    21356 NE Eagles Way
    Bend, OR 97701
    Licenced in OR, WA

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