About Us


Northwest Mortgage Advisors is an affiliate of Gem Corporation, a Wholesale Mortgage Bank, that funds over 2 billion dollars of Home loans per year and is ready to put their 28 years of trusted experience and proven track record to work for you.

Jim Kreminski, Mortgage Direct Lender, Br. Mgr. and Advisor


The foundation of every successful partnership is trust. Jim builds on that foundation by putting his 25 years knowledge of the Banking industry to work for you. He has developed a better way to buy a home- one that helps ensure you get the right loan at the most competitive rates. 
The added ability to capture wholesale pricing using a large Investor Pool has basically allowed him to pick and choose the right program and loan product for you at any time. This has also allowed him to maintain a high level of service and an edge on the market that has kept him in front of his client base for most of his career. 
From first time home buyers to refinancing options and debt consolation, Jim has opened doors for hundreds of satisfied clients and this outstanding approach to home lending is making a difference in peoples lives. 
That's why most of his business comes from referrals by satisfied clients. His customers come back to him year after year. 
Jim has opened doors for hundreds of satisfied clients, closed over 500 million dollars in home loans and this outstanding approach to home lending is making a difference in peoples lives. As you may know the Mortgage Lending Industry has changed dramatically over the last few years. Getting a Loan has become more difficult because of declining values, stricter lending guidelines as well as more government mandated policies to work through. As a result many Bankers and Brokers have left the Industry. But this is what sets Jim apart! In spite of the constant change and increasing work required to get you a new Home Loan, Jim is committed to helping you get the right loan at the most competitive rates. In fact, Jim is one of the few Mortgage Lenders that is professionally licensed with the NMLS to originate Mortgage Loans in the States of Oregon and California which offers his clients greater diversity in lending.

"When you are considering something as important as a home loan, you need a professional who gives you an edge on the market. Working side-by-side with you, I can help you select the loan that best meets your personal and financial situation and my team and I will stay by your side until the loan is closed. 
My Goal has been to assist my Clients as their "Partner for Success, which has helped me become their "Lender for Life": --Jim Kreminski


•    36 Total years of sales experience
•    Retail Branch Manager and Top Loan Producer for JP Morgan Chase for 25 years.
•    Professionally licensed with the NMLS holding State Licenses in Oregon and California
•    Experienced in origination and closing of all Conforming and Non- Conforming Loan products to include FHA, VA,USDA,Oregon and Ca. Bond and First Time Buyer Programs as well as FNMA HomePath.
•    Client and Realtor Base that stretches over 23 years.
You can call me at (541) 526-7210 OR
(619) 823-8171 CA

"Thanks for the Opportunity"