Eric Vander Werff

Loan Officer, NMLS 107939

Eric Vander Werff

Loan Officer, NMLS# 107939
Get In Touch

O: 208.292.4213
C: 206.794.6388
F: 208.292.4215

Buying a home is a big choice, something a lot of people dream of and work towards for years. Being there to help make that possible is what WVBK loves doing most. We know what support our homeowners need because we’ve been doing this for years. ‘We do it for the borrowers’ is our motto and we mean it. Apply for a loan to start the process and I’ll help you find the loan to fit your financial needs.

Interested in learning how to purchase or refinance while in Chapter 13 Bankruptcy? Learn more here!

I was referred to Eric from my Chapter 13 Attorney as I knew I wanted to pay off my chapter 13 as soon as possible that I was legally able to.

Eric’s experience and knowledge on bankruptcy laws and what documents were needed up front was exceptional which made my experience quick and painless as possible for a refinance cash-out.

My loan was an FHA, with me being self-employed and 1 year from filing Chapter 13 with no payments late/missed.

I’m very thankful to have worked with Eric and definitely will contact him in the future when looking to buy/sell or another refinance. I would give him a score of 10+ on professionalism, communication, experience and not to mention just very easy to talk with and explain any questions I had.

Thank you,


hhernandez744 from Salem, OR

I found Eric through a Google search out of desperation to get out of Chapter 13 bankruptcy. I was pretty sure I wouldn’t find a lender willing to work with us, but was determined to try. We were 3 years in and it was hurting more than helping. I checked Willamette ‘s reviews and decided it was worth a try. It was a real pain, but it’s never easy buying a home, even when you already own it! Eric’s partner, Rummor, was absolutely the best with communication and assistance during the process. The only negative thing I can say is communication was not great at the beginning and seemed short at times. If I had to rate the customer service on a scale of 1 to 10, I’d give it a 6, but by the end it was a 10. Eric and Rummor let us know pretty quickly when we needed to do something, or there was an issue. Overall, I’m happy because how we got into this situation is pretty heart breaking and Eric/Willamette helped us get to a better place, to end a 12 year nightmare. I would recommend letting Eric help you, especially if you’re in a bankruptcy. Just keep your eye on the prize!

Becca A from Clancy, MT

If you are wanting to make a home purchase after a year of filing Chapter 13, see Eric Vander Werff. From the first time I reached out to him, he replied with efficiency and hope. Four other lenders prior to reaching out to Eric all turned us away. What little credit score we had was continuing to decline because of the lenders pulling our credit. Eric’s application process was so easy, we remember how we were sitting in the bleachers at our teenagers Friday night football game while we filled it out. Simple!! Once that was completed, we received a pre-approval within a few days. We called him just to confirm and his reply was, “Yes, you are good, go house shopping and let me know what you decide!” Eric made our process fairly stress free. Anyone that has filed Chapter 13 can relate on how daunting it is to ask the trustee for the permission to purchase a home and/or a vehicle. Our recommendation is to do this step first. That trustee approval took awhile for us to even gain. All Eric was worried about was ensuring our down payment was seasoned. Seeing as how most citizens received “stimulus” money, this is how our down payment was acquired. Eric worked hard on our loan and kept an open line of communication with us during the entire process. A bit of a struggle was our time difference but we worked with it. Be mindful of this when it comes to closing. Ultimately, our title company asked us why we chose the lender that we did? We replied, “Well, Eric is the best! He is why our dream of owning our first home became a reality!” If you are needing some special attention due to a Chapter 13, see Eric and his assistant Carson. These two are a pair that made the impossible for our family a dream come true. Thank you Willamette Valley Bank and special shout out to Eric Vander Werff, you rock!- The Woodburn Family (Sweetwater, TN).

Woodburn from Sweetwater, TN

We came across Eric after doing a search for a lender that worked with people who are currently in bankruptcy. We had been working with a lender for 6 months and they assured us that it will get done it was just going to take time because of the BK. Needless to say they dragged us on with false hope only to disappoint us in the end. We provided all the necessary documentation, had on time payments with the trustee, but after 6 months, and money we didn’t have paid out of pocket for filing motions with the courts they told us they would have to wait another 3 months because of the way the trustee was making the payments. We had 3 days left on our motion to incur debt for the refinance when we found Eric. After speaking with him on the phone on December 17, right before the Christmas holidays he sent the application and we moved forward. We had all the documents that he needed and was able to give him everything that was requesting in a timely matter. We got our conditional approval in less than 30 days of working with Eric. The longest part of the process was waiting on another motion to incur debt and getting the payoff from our current mortgage provider which took time and was things beyond his control. He was always willing to address concerns that we had especially after being put in a bad situation from the first lender (it was hard to let go of that fear of disappointment). He along with his assistant Carson was awesome throughout this process and I would recommend them to anyone that find themselves in this situation. We are finally at the end of the tunnel and can see the light. Eric got this done in less than 60 days when the other lender couldn’t do it in 6 months. He is honest, straight forward, and very knowledgeable about the process and the things needed to get things done. I wish we could give him more than the 5 stars. So if you are reading this and looking to refinance your home, don’t hesitate to reach out to him and his team. Thank You Eric!!!!

rcfreeman68 from Columbia, SC