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Mandi DeVicente offers over 20 years of experience in Banking and Mortgage Lending, which includes working for 3 major nationwide banks such as Wells Fargo, US Bank and JP Morgan Chase. She joined Northwest Mortgage Advisors in 2017 bringing her expertise in both processing and loan originating to the table. A 5th generation native of Bend, Mandi has a passion for assisting people with not only achieving their dream of home ownership but also educating existing homeowners in knowing all their options on how best to use their equity for future goals, such as home improvements, bill consolidation or adding another dwelling to their existing property. Another passion of Mandi’s is being able to assist seniors live out their lives at home which is why she has become a specialist in reverse mortgages. Mandi enjoys camping, biking, paddle boarding, little league games and lazy nights by the campfire with her husband and son.
“Mortgages are not one size fits all so each transaction is tailored to the best interest of my clients. I consider it a privilege to help anyone have that one place they can call home while ensuring they are in the best home loan available to them. This is my greatest reward.” ~ Mandi
Angie came to the branch in 2020 with over 20 years in administrative work and banking. During that period she has worked for multiple banks and credit unions, such as Wells Fargo, US Bank and On Point CU. She uses her amazing administrative skills to help keep our loan process moving forward and in a timely manner. She also has great communication and people skills and our clients and business partners love working with her. As a native of Bend, she has a love for the simple things that central Oregon has to offer, such as camping, hometown rodeos, and canning local fruits and vegetables. She loves, loves, loves, animals. Also, in her time away from the office she is working towards getting her BA degree in accounting.
“It’s not about the destination, it’s about the journey along the way”~ Angie
“ The foundation of every successful partnership is trust” is one of Jim Kreminski’s quotes and he has been living up to those words by building on a foundation of trust with his clients for over 30 years. Jim started his career in the mortgage industry in 1990 working for a mortgage broker and in 1993 went to work for JP Morgan Chase becoming a top producer and Retail Mortgage Branch Manager. After 17 years with Chase he made the decision to change over to Golden Empire Mortgage because it would give him access to an investment pool of over 30 investors and banks while maintaining the benefits of being a direct lender. This enables Jim to offer wholesale pricing, and the most optimum loan products and programs that are in the best interest of the borrowers. Jim enjoys classic cars, sports, fishing and pretty much anything to do with mountains and rivers. He is also a very dedicated husband, father and soon to be grandfather.
“It’s not the way you start, it’s about the way you finish!” My goal has been to assist my clients as their “Partner for Success”, which has helped me become their “Lender for Life” ~ Jim
After working for over 25 years in marketing and administrative positions in the banking and automotive industry, Joyce was fortunate to stay at home to raise two children as a stay at home mom. When Jim decided to open up Northwest Mortgage Advisors in Redmond, she made the decision to come alongside him as his assistant part time, which has grown into a full time position. Customer service is her top priority. It has been a huge blessing to be able to partner with her husband in his professional career as well as becoming part of helping others grow in their careers in the mortgage industry. She is also part of a non-profit organization, House of Hope located in Moldova, that rescues single moms and their children from abusive situations. Joyce enjoys family and friend get-togethers, hiking, reading and is looking forward to being a “Nana” soon.
“Every person we encounter in life is an opportunity to serve. I value the opportunities to make a positive difference in the lives of others and working at Northwest Mortgage Advisors gives me new opportunities to accomplish that every day.” ~ Joyce