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Oregon Mortgage Lenders

Our lenders in the Pacific North-West offer many types of home loans with some of the best rates and loans available in Oregon. Loan products ranging from jumbo, bad credit, FHA, VA and interest only mortgage rate options to ensure the lowest possible mortgage payment. Oregon home mortgage programs are the most appealing they have been in years as rates continue to drop.

Oregon Mortgage Lenders
  • Fixed Rates
  • FHA Home Loans
  • Cash Back Lending
  • Home Remodeling
  • Home Equity Lines
  • Best Oregon Mortgage Rates

Shop Oregon Mortgage lenders that provide fixed rate refinance, equity loans, second mortgages, home purchase mortgages and debt consolidation loans for homeowners with good & bad credit. Shop loan programs and compare mortgage rates by state, loan quotes and Portland real estate articles and for helpful insight for consumers in Oregon, Washington and Idaho.

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Did you know that FHA approves cash back in a loan up to 85% LTV? Did you know that the VA program has no minimum credit score? Don’t worry if you do not meet the VA credentials because the minimum score for FHA home loans is only 500.

  • Combine both mortgages into one loan
  • Wave "good-bye" to revolving credit card interest
  • Consolidate high rate loans and bills into one lower mortgage payment
  • Refinance underwater Oregon mortgages with the HARP 2.0
  • Reduce your housing and personal expenses with Bill Consolidation
  • Choose the Interest Only option with a HELOC
  • Convert variable rates to a Fixed Rate Loan
  • Reestablish your credit with an affordable loan
  • Get Money Back to Buy Oregon Vacation Homes
  • Finance House Repairs and Improvements
  • Oregon Mortgage Refinance Terms 10 to 30-Years
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Klamath Falls



Oregon Mortgage Rates Dip Below 3.5% on thirty-year fixed rate mortgages according to HSH! (APR is 3.66%)

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Mortgage Terms to Know for the Loan Process

Annual Percentage Rate (APR)

Second Mortgage

Home Equity Line of Credit

Is an interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account point and other credit cost. The APR allows home buyers to compare different types of mortgages based on the annual cost for each loan. The law requires Oregon mortgage lenders to post APR, whenever an interest rate is quoted.

A fixed or adjustable rate loan, secured by the equity in your home. Interest is usually tax-deductible to 100% CLTV. Often used for home improvement or freeing of equity for investment in other real estate or investment. Great loan for refinancing to replace or substitute for consumer loans whose interest is not tax-deductible like credit card debt and personal loans.

A loan providing you with the ability to borrow funds at the time and in the amount you choose, up to a maximum credit limit for which you have qualified. Repayment is secured by the equity in your home. Simple interest (interest-only payments on the outstanding balance) is usually tax-deductible. Often used for home improvements, major purchases or expenses, and debt consolidation.

Combined Loan to Value Fixed Rate Mortgage Jumbo Home Mortgage

The relationship between the unpaid principal balances of all the mortgages on a property and the property's appraised value. CLTV is important for underwriting on home equity mortgages.

A mortgage loan with an interest rate that is fixed for the term of the loan. Monthly payments are fixed evenly for a specific term.

A loan which is larger (more than $417,000) than the limits set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.

FICO score

Good Faith Estimate

Negative Amortization

A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their bills. Scoring has become widely accepted by lenders as a reliable means of credit evaluation

A written estimate of closing costs which a lender must provide you within three days of submitting an application. Dodd-Frank overhauled many parts in the finance industry and expanded the "GFE."

Occurs when your monthly payments are not less than the interest due. This unpaid interest is added to the unpaid balance of the loan. The danger of negative amortization is that the homebuyer ends up owing more than the original amount of the loan.

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Loans cannot be made online or be approved without an underwriter analyzing your credit score, debt to income ratio and combined loan to value.

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