LOA to: Joel Morgan

Phone: (971) 501-1069

Email: [email protected]

Fax: 1+(503) 536-6836

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Motto: "Things don't happen overnight; it takes time to start something great."


I started my career in banking and moved into a role that assisted wealth and financial advisors. When we were preparing to buy a home, we took our time to educate ourselves. The experience was both exciting and scary. It inspired me to share the knowledge and experiences I gained with others.

Why Options Financial Residential Mortgage?

The Options mission statement aligns so much with what I believe in. They prioritize client relationships and dig in deep to really understand client goals.

What would you say is the most fulfilling part of what you do?

Being a part of a team that works together with clients to achieve their goals.

How would you describe the role of education in the process?

My grandfather used to say the knowledge you gain allows you to make wise decisions and no one can take that from you. I believe that when people are given the right tools and knowledge, they make a more confident decision.

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

Kaleinani O Kekui Foundation

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.
  • © 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.

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    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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