Jesus Torres | The Lender
Your Homeownership Journey Starts With the Right Mortgage Partner.
Different situations. Different financial journeys. One goal: Finding the right path to homeownership.
Mortgage Express, LLC · NMLS #1199499 · Licensed in Oregon & Washington · Hablamos español
Welcome
Every family's path to homeownership is different.
My job is to help you find the right mortgage program for your situation, your income, and your budget. Whether you're a first-time homebuyer, self-employed, using an ITIN, a DACA recipient exploring financing options, or a real estate investor, I'm here to help you explore mortgage solutions that fit your needs.
Your income, your down payment, and your financial situation matter. Let's find a mortgage program that works for you.
More about me9
Years helping families finance homes
10
Years in traditional banking
2
Languages: English and Spanish
8
Year NAHREP member, Top 250 originator
Experience you can trust
A banker's foundation. A lender's flexibility.
Before joining Mortgage Express, I spent 10 years working in traditional banking as a banker, followed by four years as a loan officer. Those experiences gave me a strong foundation in finance, lending, and understanding borrowers' financial situations.
I wanted to offer solutions instead of simply saying no. Today I help families throughout Oregon and Washington, especially within our Latino community, navigate the homebuying process and achieve the dream of owning a home.
Loan programs
A mortgage option for almost every situation.
I work with a variety of mortgage programs through Mortgage Express and its lending partners, so we can explore different ways to qualify.
Conventional & FHA
Low down payment options, flexible qualifying guidelines, and first-time homebuyer friendly financing.
ExploreDown Payment Assistance
Programs that may assist eligible buyers with their down payment and closing costs.
ExploreITIN & DACA
Financing options for eligible ITIN borrowers, and welcoming conversations for DACA recipients.
ExploreBank Statement & 1099
Non-QM options for self-employed borrowers, business owners, and independent contractors.
ExploreDSCR for Investors
Investment property financing based primarily on the property's rental income.
ExploreAsset Utilization
Additional Non-QM programs and specialized financing options for unique situations.
ExploreNAHREP Top 250
NAHREP Top 250 Award-Winning Mortgage Originator
I am proud to have been recognized among NAHREP's Top 250 mortgage originators. I have been a member of the National Association of Hispanic Real Estate Professionals (NAHREP) for eight years.
Being part of NAHREP represents more than professional membership. It reflects my commitment to supporting Hispanic homeownership, empowering families, and creating opportunities within the communities I serve.
I'm passionate about helping more Latino families understand the homebuying process, access financing opportunities, and build generational wealth through homeownership.
First-time homebuyers
Your first home is closer than you think.
Many first-time buyers assume they need a big down payment or a perfect credit score. The truth is, there are more paths to homeownership than most people know. Down payment assistance, low-down-payment loans, and a clear game plan can turn "someday" into a realistic plan.
- Getting pre-approved with confidence
- Understanding your credit and down payment options
- Closing costs, DPA, and the full homebuying process
Non-QM lending
Not every borrower fits inside a traditional mortgage box.
That's why I work with a variety of alternative financing programs designed to help borrowers explore different ways to qualify.
Self-employed? Business owner? Independent contractor? Real estate investor? No problem. Let's explore the right mortgage program for you.
Self-Employed Borrowers
Bank statement and 1099 programs that understand business owners, independent contractors, and non-traditional income.
Self-Employed? Let's TalkReal Estate Investors
DSCR financing that qualifies primarily on the property's rental income, helping you grow your portfolio.
Explore investor financingMy approach
I don't believe in a one-size-fits-all approach.
Every borrower has a different financial situation. Some have W-2 income, others are self-employed, some use ITINs, and others may need down payment assistance. My job is to understand each client's situation before identifying potential financing options.
I want you to understand your numbers, your payment, and your financing options before making one of the biggest financial decisions of your life.
Let's Talk About Your Options"I don't believe in simply finding you a loan. I believe in helping you understand your options and finding a mortgage solution that makes sense for your financial situation."
Jesus Torres · Loan Officer · NMLS #1199499
- Your income, employment, and credit profile
- Your available down payment and monthly budget
- The property you're looking to purchase
- Your short-term and long-term homeownership goals
Happy clients
Real families, real closings.
Every closing is a story, and I'd be honored to be part of yours next. A few of the keys I've helped families reach across Oregon and Washington.
Google reviews
See why families trust me with their home loan.
I'm honored by every review my clients share. Read what the people I've served have to say about their experience on my Google Business profile.
Offices
Serving Oregon and Washington.
Salem
1594 Edgewater St NW, Ste 130, Salem, OR 97304
McMinnville
650 NE Adams St, McMinnville, OR 97128
Mortgage Express
15115 SW Sequoia Pkwy, Ste 100, Portland, OR 97224
Get in touch
Let's find your path home.
No pressure, no jargon, no judgment. Just a clear conversation about what's possible for you and your family. Reach out and we'll take the first step together.
Oregon & Washington · Hablamos español
Tell me about you
Fill out the form and I'll get back to you with a clear next step. Hablamos español.