Modern Mortgage Strategies
A Smarter, More Personal Way to Finance Your Future
One Eleven Mortgage connects homebuyers, homeowners, and real estate investors with experienced mortgage professionals who take the time to understand their goals and build a financing strategy around them.
Home financing without the guesswork
You Bring the Goal. We'll Help You Find the Way Forward.
With so many loan programs, rates, and opinions coming from every direction, it can be difficult to know which path is right for you. The right mortgage professional listens first, explains your options clearly, and creates a strategy built around your goals.
Tell Us Where You're Headed
Share what you want to accomplish and what matters most to you.
Find the Right Guide
Connect with a mortgage professional who understands your needs.
Move Forward With a Plan
Get clear options and a financing strategy you can feel confident about.
Find Your Loan Officer
Find the Right Mortgage Professional for You
The right mortgage starts with the right partner. Tell us your goals, and we'll match you with a One Eleven loan officer who fits your style, location, and timeline.
4.99(176)GoogleZillowKahren Oxner
Founder & CEO
Kahren founded One Eleven Mortgage to provide clients and realtor partners with unmatched options and a personal, boutique experience. With years of experience across conventional, government, and Non-QM lending, she specializes in complex scenarios — investors, self-employed borrowers, and ITIN financing.
Angela Valdez
Operations Manager Mortgage Loan Officer
With over 16 years of experience, I am dedicated to helping families across Oregon and Washington achieve their homeownership dreams. As a Loan Officer and Branch Operations Manager at One Eleven Mortgage, I combine deep expertise with personalized care to ensure a seamless lending experience.
Keri Vincent
Mortgage Loan Officer
As a Loan Originator with One Eleven Mortgage, I am dedicated to providing clear, honest guidance to help my clients feel confident throughout their homebuying journey. I prioritize building lasting relationships and am committed to supporting you from our first conversation through to closing.
Choose Your Journey
Where Are You Headed Next?
Mortgage decisions look different depending on your goals. Choose the journey that best matches what you are trying to accomplish.
First-Time Homebuyers
Guidance for first-time buyers — from affordability to closing day, with patience at every step.
Start My Journey
Buying Your Next Home
Upsizing, downsizing, or relocating — we help you navigate equity, timing, and financing.
Plan My Next Move
Refinancing
Lower your rate, shorten your term, or access equity — refinancing tailored to your goals.
Explore Refinancing
Investors
Build your portfolio with investor-focused financing — qualify on property cash flow, not just personal income.
Grow My Portfolio
Self-Employed Borrowers
Qualify with bank statements and assets — not just tax returns. Built for business owners and contractors.
Explore My Options
ITIN Borrowers
Homeownership with an ITIN — clear guidance on documentation, down payment, and requirements.
Explore ITIN FinancingWhy One Eleven
Boutique Service Without Limited Options
Personal Matching
Start with the loan officer who best fits your goals and communication preferences.
Specialized Knowledge
Connect with professionals experienced in first-time buyers, investors, ITIN, self-employed, and complex income.
Multi-State Coverage, Personal Attention
Licensed across multiple states, offering broad product variety paired with the dedicated, hands-on service of a boutique firm.
Broader Program Access
Explore traditional and specialized mortgage programs through one experienced team.
Consistent Communication
Know who to contact and what comes next throughout the entire process.
Selected Client Reviews
What Our Clients Say
"Working with Kahren and Daniel was the absolute best decision I could have made for my home-buying journey. I’ve known Kahren as a dear friend for five years, and while I’ve always sent people her way, this was my first time actually…"
Jen Zglobicki
with Kahren Oxner
Google"Working with Kahren and Daniel was the absolute best decision I could have made for my home-buying journey. I’ve known Kahren as a dear friend for five years, and while I’ve always sent people her way, this was my first time actually…"
JenZglobicki
with Kahren Oxner
Zillow"Kahren is truly exceptional at her job. She gives all the information you need in an easily understandable and digestible way, and is here to help each individual with their unique needs. You couldn’t be in better hands no matter your…"
arrowtailoring
with Kahren Oxner
Zillow"Kahren and her team at One Eleven were absolutely incredible to work with. Everything went so smooth and she even helped me lock in at an amazing rate. I could not be more pleased and appreciative of all they did. I highly recommend using…"
ameyers76
with Kahren Oxner
Zillow"Kahren and her team were absolutely amazing to work with. From start to finish they were truly exceptional! I highly recommend using them for all your future home lending needs."
Alisha Meyers
with Kahren Oxner
Google"Kahren is truly exceptional at her job. She gives all the information you need in an easily understandable and digestible way, and is here to help each individual with their unique needs. You couldn’t be in better hands no matter your…"
Ariel
with Kahren Oxner
Google
Start Here
Start With the Right Conversation
Find a One Eleven mortgage professional who understands what you are trying to accomplish and can help you evaluate the next step.