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First Tech Routing #321180379
Mortgage Loan Officer

Meet Michele.

A little insight into
Michele McCarthy.

My goal is to be your lifelong lender for all of your mortgage needs. I look forward to partnering with you to provide a seamless mortgage experience whether you are purchasing a home or refinancing. I work through each and every loan from application to funding with a “hands on” approach. I love the challenge of putting a loan together and making sure there is a positive outcome for everyone. 

I have over 14 years of mortgage experience and an Engineering/Tech background before that, making me an ideal fit with First Tech and our member base. I have seen the many changes our industry has experienced. While the process is more complicated now, I love solving problems and navigating my members through the ins and outs of buying a home or refinancing. My efforts as a Mortgage Loan Officer have been highlighted in Portland Monthly Magazine, where I have been featured as a Five Star Professional Award recipient.

I enjoy spending time with family and participating in outdoor activities. In addition, I am involved in a variety of community service projects such as: Wounded Warriors, Portland Girls Choir and the Oregon Food Bank.

We're here to help you.

Get pre-qualified.

Take the first step to your home dreams by seeing how much you can borrow by getting pre-qualified. A pre-qualification can give you a leg up in a competitive market and can ease your mind when taking on the task of financing a home.

Buy a home.

We have mortgage solutions to fit your needs, whether this is your first home, next home, or you’re building your dream house. If you have a home picked out and signed a contract, please apply here. If you want to see how much you qualify for submit a request for Pre-Qualification.

Home equity.

Do you have big plans that require money? Get that money from the equity in your home. We have great rates and many options, depending on your goals.


Whether you want to cash out your equity, lower your payments, or pay off your loan sooner, we have a refinance loan for you.

Mortgage resources.


Home Buyers

We’ve helped thousands of members buy their first home.



Calculate your mortgage options.


Home Loan

View more information on the home loan options available.

All loans are subject to credit approval. Credit Union membership is required and subject to approval. Property and/or flood hazard insurance may be required.