About

Stated Objectives

  • To help our clients become financially independent.
  • To provide encouragement and help in the difficult task
    of being good stewards of our finances.
  • To enable our clients to own their home sooner.

History / Who We Are

Since 1969, RJT Insurance and Investments has been helping people with life and disability insurance, annuities and tax shelters. The business started from real life examples that showed the importance and need especially for life insurance. One example was when Bob had gone to see a client's brother and tell him the importance of life insurance. After the client purchased life insurance, he died in a car accident just three months later and the life insurance paid off the house, all the debt, and helped his wife and three children live despite the income loss.

In 1993, the firm was incorporated as Mortgage Freedom Company, Inc. because fair and honest home loans were seen as needed in the marketplace. These loans were seen as needed in the marketplace by a very personal example. We ended up getting a mortgage on one of our properties only later to find out that the mortgage broker raised our qualified interest rate in order to get a large kickback (or yield spread premium) from their lender.

Because of this, it would have cost us tens of thousands on extra interest over the life of the loan. We decided that we needed to start a mortgage side to our business to at least keep this from happening to our clients. All of our clients are now well-educated on the fact that most of the brokers and banks in the industry do this on a consistent basis. This is costing people tens or hundreds of thousand dollars extra over the life of their loan.

In 2005, the company changed its name to Mortgage Freedom & Financial Services, Inc. Since then it has acquired or affiliated itself with a broad family of financial services. This has been done to best exemplify its own money-management philosophy and help every client with all aspects of their financial plan. Mortgage Freedom & Financial Services, Inc. now offers a wide spectrum of financial planning.

What Makes Us Different?

Our clients

Because of our background, we take very seriously treating our clients with honesty and respect.

Free financial planning sessions

We believe that if you come to our office, it was for a reason and we will try our best to help you. Even if you decide not to take advantage of our services, we will not charge you for your free consultation, no matter what!

Member of the:

Christian Chamber of Commerce of the Northwest

Testimonials /
What Our Customers Are Saying

Thanks for helping me. It feels good to be doing the best that I can with the money that I am earning

Justin D.

Just a note to thank you for all your help, you made getting insurance a pleasant event. I had been putting off getting some different insurance for quite a while because I didn't want to go to all the trouble to haggle about prices and such. When we went to your office you were very professional and presented me with several options and just made everything very clear so it was easy for me to make a decision. Weeks later after we had to make an unexpected trip out of state because of a death in the family, upon return we were surprised to find in our pile of mail, instead of bills, a gift card thanking me for coming into your office and you helping me get the proper life insurance policy. This came at such an appropriate time as we were still sad over the loss of our loved one. It was God's work again being done by man (you). I had a great time picking out my gift. It was really hard with so many choices, but at the same time so much fun. Every time I use it I will remember you, and the great job you did for me. Thanks again and I will be sure to refer anyone I know who needs any of your services your way. God Bless

Mitzi K.

When I was planning to refinance my home mortgage, I looked for a broker who was honest, flexible, and treated me with respect. I found those qualities in Joshua Tomeoni. He was easy to talk to, informative, and responsive to all my questions and concerns. I trust that he got me the best terms possible to fit my guidelines. I would definitely recommend Joshua for anyone's mortgage needs.

Amy M.

It's very encouraging that you are trying to help people with honest financing….I'm on a mission to help you get business, and to help other people from being robbed with hidden fees.

Kathy M.

Before Joshua sat down with me and discussed my financial situation, I had only a vague idea where my money was being invested. Joshua showed me how to financially plan and how to manage my money. Now I am investing, have a life insurance plan, and am watching carefully where all my money is being placed. It surprises me how much freedom I actually have with my money after I learned how to manage my finances. I would recommend Joshua's services to anyone; and I know he can help others just as much as he helped me.

Trevor W.

Copyright © 2011 Mortgage Freedom & Financial Services, Inc., All Rights Reserved.

18861 SW Martinazzi Ave. #217, Tualatin, OR 97062

Tel: (503) 692-9643 Fax: (503) 692-5451

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