For more than 16 years, I've helped families get to the closing table with 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. These are the ones families ask me about most.
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.
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 →Qualify on a property's rental income — built for investors and self-employed buyers.
Learn more →Homes for Heroes rewards the people who keep our communities safe, healthy, and educated. When you buy or refinance with me as your Homes for Heroes lender, you can earn Hero Rewards savings on your mortgage, and stack them with any real estate savings from a participating Homes for Heroes agent.
Mindy Hay
Senior Loan Officer · NMLS #292224
I'm Mindy Hay, a senior loan officer with Union Home Mortgage. After 16+ years in lending, I've learned the best part of this job isn't the closing table. It's the moment someone who was sure they'd never qualify finds out they can.
That happens more often than you'd think. Most people who assume homeownership is out of reach have simply never had anyone sit down and walk them through their options. That's why I got into lending in the first place: not to sell loans, but to educate people on what's genuinely possible for them.
This one is personal. My daughter is a trauma nurse. My sister-in-law works in oncology. Many of my closest friends have spent their careers as educators in this community. I've watched up close what it costs to give that much of yourself to other people, year after year.
So becoming a Homes for Heroes affiliate wasn't a marketing decision. Firefighters, EMS, law enforcement, military, healthcare workers, and teachers give this community more than most of us ever see. Helping them into a home, with real savings, is the part of my work I'm proudest of.
Straight answers, fast. You'll always know exactly where your loan stands, and you'll never have to chase me for an update. And when a file isn't straightforward, which happens more than this industry likes to admit, I'll think outside the box instead of handing you a "no." Shift differentials, overtime, self-employment, a credit history that needs a plan: those are solvable, and solving them is the work.
If you're wondering whether you could buy, let's find out. It costs nothing to ask.
— 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. To her clients, it's simply proof of what they 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.
Buying a home from out of state could have been overwhelming, but Mindy made the entire process feel seamless. She was always available, incredibly organized, and proactive — I can't recommend her highly enough.
We'd been trying to buy for months with other lenders before switching to Mindy — she got it done in two weeks. She even called the listing agent to talk up how strong our offer was. I don't know a lender out there who'd do that.
Mindy has been my preferred lender for almost 10 years. My transactions close on time and seamlessly, and my clients love working with her.
I'm a first-time homeowner, and Mindy's experience and genuine compassion made the whole process as painless and smooth as possible. I'll keep recommending her to friends and family.
From day one she was supportive, responsive, and incredibly knowledgeable. She made what could have been a stressful time feel smooth and even exciting — we couldn't have found our dream home without her.
Mindy would call to go over the numbers and answer every question. Our experience felt personal and heartfelt — like she truly had our best interest at heart.
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.
Based in Tigard, serving the greater Portland metro and licensed across three states, so if you're moving within the Pacific Northwest or down to Arizona, you can keep the same trusted advisor.
Tigard, Lake Oswego, Portland metro, West Linn, Beaverton, Bend, and communities statewide.
Vancouver, the greater Portland–Vancouver area, and homebuyers across the state.
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Get pre-approved, ask a question, or just see what's possible. No pressure, just real answers.