Northwest Lending Group


We’ve been helping homeowners for over 30 years! As a Mortgage Banker, we have access to many of the nation’s top lenders. This gives us very competitive pricing and a wide array of products for virtually every need. Licensed in Oregon and Washington.

Your Local Lending Team

We will help you achieve your goals and keep it local. Profits earned get spent right here in our community which benefits all of us. We also contribute funds to local schools and charities throughout the year.


Northwest Lending Group offers a variety of loan programs to fit your needs.  Whether you’re looking to buy your first home, invest in a real estate portfolio, or refinance, our skilled mortgage team will help you find the program that best suits you.


Conforming loans offer buyers lots of flexibility. From low down payment requirements, to various mortgage insurance solutions for borrowers placing less than 20% down, confirming loans allow some of the most completive solutions in the mortgage industry.

Key features

  • Down payment as low as 3% for qualified borrowers
  • No mortgage insurance is required with 20% or more down payment
  • Flexible loan terms based on 30, 15, and 10 year repayment plans
  • Mortgage insurance payment options (monthly, financed, or paid up front)
  • Low rates and fees
  • Fixed and adjustable rate options

The Veterans Administration allows qualified veterans or active military the ability to purchase with as little as 0% down.

Key Features

  • Must be qualified veteran or military personnel
  • No mortgage insurance
  • Low rates and fees
  • Flexible qualifications

Jumbo loans are often a great option for those looking to finance a higher priced home. Jumbo loans are loans that are beyond the maximums of conventional loans, which is typically $715,000.


FHA loans are government backed programs designed for borrowers with low down payments and offers flexible qualification requirements.

Key Features

  • 3.5% minimum down payment
  • Competitive rates and fees
  • Lower credit rating requirement
  • Debt-to-income flexibility


Borrowers seeking rural property can enjoy the benefit of a 0% down payment with a USDA guaranteed loan. Borrowers must meet income requirements and purchase within an eligible USDA territory.

Key Features

  • 100% financing
  • Low monthly mortgage insurance
  • Flexible mortgage qualification

Do you have your eye on a fixer upper? A rehab loan could be a great option for you to finance your renovation expenses into your loan, versus using precious savings. This is a great way to utilize equity in the home that you’ll obtain through a little vision and your renovations. 

Greg Cross

[email protected]

503-325-4116 Office

503-440-2952 Cell

NMLS #222493/WA MLO-222493

I have 36 years experience in the mortgage industry and over 30 of those right here in Clatsop County. Experience does make a difference.

I began my career with some well known big corporate banks and then opened my own mortgage lending office in 2002.

I realized I could offer customers lower rates not being part of a big machine like that. Large lending companies often have multiple layers of upper management, which increases prices. I take the time to understand each of our client’s unique situations and guide them through their options—even the ones they didn’t originally think of. That type of agility and creative thinking comes from years of experience and a willingness to work closely with customers.

Jeany Birdeno

[email protected]

503-325-4116 Office

971-320-0731 Cell

NMLS #2184252

I am a native Astorian and my roots run deep. My main goal as a Loan Officer is that you are comfortable with the financing of your home.  I am excited to use my 30 years of customer service experience, listening skills, and problem-solving skills to get you the best loan program whether you are purchasing or refinancing. When I am not at work, I am a wife, mom to 3 fur babies, a board member for the ADHDA, and enjoy spending time with family and friends.

 With Greg as my mentor and Erika processing, I know our small and mighty team can continue to be your favorite local lending group. ~Jeany Birdeno

Jeany, Greg, and Erika, wishing you Happy Holidays.

Northwest Lending Group is your dream team.

We have over 50 years of experience combined!

Greg has more knowledge than we have room to type about it!

Jeany is newer to the lending world, but can connect you to wherever you need to go and will help you get there.

Erika is our Sr. Loan Processor/Closer and is behind the scenes processing your loan, preparing for closing, and even drawing your loan documents! With her experience as a former Escrow Officer, Erika often spots title issues before they become issues and speaks fluent Escrow.

We are with you every step of the way.


Jan HorningJan Horning
16:22 08 Nov 21
We received exemplary professional service from Greg Cross and Jeany Birdeno. They are courteous, and provided clear communication.
Holly JensenHolly Jensen
22:08 06 Oct 21
Greg is the best! Quick to respond, very knowledgeable, and let us know what to expect in the process! He always made himself available if we had questions. We recommend Greg to anyone looking to buy a home!
Steven Van HornSteven Van Horn
15:02 09 Aug 21
Gregory Cross is amazing! He was so fast and efficient when I needed him during these turbulent and competitive times in the housing market!
Jessamyn GraceJessamyn Grace
19:21 30 Jun 21
I now own my own home which, as a single woman, I never thought would be possible. Greg Cross and Erika Olsen were there for me every step of the way during the process, answering every question I had with professionalism, kindness and patience. I cannot thank them enough for making this dream come true.
Ryan JacobsenRyan Jacobsen
14:39 03 Jun 21
Greg was a pleasure to work with throughout the entire process. He was always attentive to any questions we had and kept us updated every step of the way. Highly recommended.

Work With Us

Give us a call, text, email, or stop by the office in beautiful downtown Astoria in the historic Liberty Theatre building. You can also shoot us a message below.

Golden Empire Mortgage, Inc. (“GEM”) [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Business Oversight pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows:

Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions.

Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate.

Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Division of Finance and Corporate Securities, Department of Consumer and Business Services.

Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending. Notice to Texas Loan Applicants

Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions.

Branch NMLS 1469420/WA CL-1469420   NMLS Consumer Access

Northwest Lending Group

a branch of Golden Empire Mortgage, Inc.

1227 Commercial St

Astoria, OR 97103