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About Us

our location


CHA Mortgage Company is located in the Baxter Building on the corner of NW 23rd and Thurman.
Parking is available for Baxter Building guests in spots marked  "Executive Suite Customers."



CHA Mortgage Company
2301 NW Thurman St, Ste C
Portland, OR 97210
503.753.7577 PHONE


CHA Mortgage Company's promise:  Commitment | Honesty | Accountability


We don't rely on clever gimmicks or marketing schemes to get you to work with us.  We earn your business through honest advice, total commitment and holding ourselves accountable to you!  

Customer Service-  Your Mortgage Consultant (also known as a Loan Officer) will be your main point of contact throughout your entire loan process.  You won't be passed around from Loan Officer to Assistant to Processor.  Not only will this save you money, it leaves less room for error and miscommunication.  When we tell you something, we mean it.  If we mess up, we own it.  We promise to work on your loan as if it were our own and provide you with honest, clear and concise advice. 

Competitive Rates-  Did you know every mortgage company charges different rates and fees?  We strive to provide you a great value on your mortgage by maintaining a low overhead and shopping multiple lenders for the best rates and fees.  

Confidentiality and Security-  Your personal information is safe with us.  We won't discuss your business with anyone without your prior approval.  To further enhance security, CHA Mortgage Company is a paperless company.  This means we will only keep an electronic version of your file.  Everything is done electronically when possible and confidential information is printed only when necessary.  If we receive paper documents we shred the originals on site.  Customers can send us sensitive documents by uploading them to our secure website.  When laptops are not in use, they are locked up and laptops are always on the person and never in a car, trunk or otherwise.  Laptops and phones are password protected and we use VPN whenever accessing your information on an open network.  We take security and your privacy very seriously.




We're passionate about helping our public service heroes (Firefighters, Police Officers, Nurses, Teachers and Veterans) and we dedicate a large portion of our time marketing to our core group of customers.  Instead of focusing our energy on radio or billboards ads, we choose to spend that money on educating our heroes to help them understand why working with CHA Mortgage Company is the smarter move. We want our heroes to be educated about the mortgage process so they can make an informed decision when buying or refinancing.  We're building our business around education, great customer service and rates.  Get a quote from your bank or credit union and compare it to a quote from us for the same rate on the same day and see for yourself how much money you'll save.  Like I said earlier, no gimmicks...can you handle that level of honesty?




Saopon Cha Hi!  I'm Saopon and if you choose to work with CHA Mortgage Company, you'll be working with me.  I'm the founder and President of CHA Mortgage Company and I'll be your Mortgage Consultant and main point of contact throughout the entire loan process.  

A lot of people are intimidated by my name but the pronunciation is a lot easier than you think.  My first name is two syllables: sao-pon. The first syllable, sao, rhymes with Lao, Tao, how...I think you get the idea.  The second part, pon, is just as it sounds: "pawn."  People get my name wrong all the time but I'm used to it so don't feel bad if you mess up.

Even though I was born in Thailand, I was raised in Portland, Oregon from an early age and it's all I know and remember.  I love Portland and couldn't fathom living anywhere else. I was raised in the Cully Neighborhood of Northeast Portland and I'm currently raising my family in the St. Johns neighborhood of North Portland.  I received my high school diploma from Madison High School, Associates Degree from Portland Community College and Bachelors Degree from Portland State University.  

I've been in the financial services industry for over 18 years and in the mortgage industry for 13.  I've sold checking accounts, mortgage loans, life insurance and real estate.  I've worked for small mom-and-pop mortgage shops and large mortgage corporations where I originated, processed and underwrote mortgage loans.  You'd be hard-pressed to find another Mortgage Consultant with my level of knowledge and expertise.

When you work with me, you can expect me to care about your mortgage as much as you do.  I'll find you a loan program that meets your needs, a competitive rate and the least amount of hassle possible.  You can count on me to be honest, available and responsive.  You can also count on me to be discreet.  I'll only ask for information and documents needed to process your application and I'll only share that information with people who need to know--like the lender, for example.  

To my friends and family who are also customers-- I want you to know you don't have to be embarrassed if your finances aren't perfect.  I'm only here to help and I would be honored if you chose to work with me! When I say your information is confidential, I really mean it.  I don't share it with anyone who doesn't need to know.  This means I don't talk about your loan with my husband, sister, friends, etc.  You can rest assured knowing that unless you choose to divulge that you're working with me, no one will know I helped you with your financing.  

My goal is to have your complete trust so you have no reservations about working with me.  I'm never too busy for you or your referrals.  Total commitment to you is what I'm all about.