Mindy Hay has guided families to the closing table for 16+ years — clear advice, quick answers, and a loan built around your life.
Whether it's your first home, your forever home, or a smarter rate on the one you have — there's a program built for it. Here are the ones families ask for most.
Flexible, competitive financing with as little as 3% down for qualified buyers.
Learn more →Low down payments and flexible credit guidelines — a favorite for first-time buyers.
Learn more →$0 down, no PMI, and hard-earned benefits for Veterans and active-duty service members.
Learn more →$0-down financing for eligible rural and suburban communities across the region.
Learn more →Financing above conforming limits for higher-value homes, with tailored terms.
Learn more →Roll purchase and remodel into one loan — buy the potential, build the home.
Learn more →Financing for building from the ground up, coordinated with your builder's timeline.
Learn more →Lower your rate, shorten your term, or put your equity to work.
Learn more →First-home programs plus down payment assistance to bridge the gap to the keys.
Learn more →If you serve your community — firefighter, EMS, law enforcement, military, healthcare, or teacher — you may qualify for meaningful savings when you buy or refinance. See how it works.
Homes for Heroes rewards the people who keep our communities safe, healthy, and educated. When you buy or refinance with Mindy as your Homes for Heroes lender, you can earn Hero Rewards savings on your mortgage — stacked with any real estate savings from a participating Homes for Heroes agent.
Actual savings vary by transaction. Ask Mindy for an estimate based on your loan.
Based in Lake Oswego and lending across three states — so if you're moving within the Pacific Northwest or down to Arizona, you can keep the same trusted advisor.
Lake Oswego, Portland metro, West Linn, Beaverton, Bend, and communities statewide.
Vancouver, the greater Portland–Vancouver area, and homebuyers across the state.
Phoenix, Scottsdale, Tucson, and buyers relocating to the Grand Canyon State.
Mindy Hay
Senior Loan Officer · NMLS #292224
I'm Mindy Hay, a senior loan officer with Union Home Mortgage. Over 16 years I've helped thousands of families finance their homes — first-time buyers finding their footing, growing families upsizing, and homeowners refinancing into something better.
My promise is simple: you'll always know where your loan stands, you'll get straight answers fast, and you'll have a real person on your side from pre-approval to the keys. My team and I keep it moving so you can focus on the exciting part.
— Mindy Hay
Mindy was named a Union Home Mortgage 2025 President's Club Member — an honor reserved for the company's top-performing loan officers — after helping 58 families reach the closing table in a single year. It's proof of what clients feel firsthand: steady guidance and a loan that actually closes.
Behind every smooth closing is Mindy's support team, keeping your file on track and your questions answered so nothing slips between pre-approval and the keys.
Mindy Hay is licensed to originate mortgages in Oregon (NMLS #292224), Washington (MLO-292224), and Arizona (#1034254). If you're buying or refinancing in any of these states, she can help.
It depends on the loan. VA and USDA loans can be $0 down for eligible buyers, FHA is as low as 3.5%, and many conventional loans start at 3% down. First-time buyer programs and down payment assistance may lower it further. Mindy will match you to the right program.
Firefighters, EMS, law enforcement, active-duty military and Veterans, healthcare professionals, and teachers may qualify for Hero Rewards savings when they buy or refinance with Mindy as their Homes for Heroes lender. Ask her for an estimate based on your loan.
You can begin a secure online application any time, or call (503) 312-3845 to talk through your goals first. Many buyers start with a quick pre-approval so they can shop with confidence.
Get pre-approved, ask a question, or just see what's possible. No pressure — real answers.