Eugene, OR Mortgage Rates

Live mortgage rates and costs in seconds! – No email, Social Security Number or Personal Information is required. Serving home buyers in Eugene, OR since 1992!

Your Best Rates Here

$ 2,271
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
/mo
5.500%
5.744%
2.261
$0
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$ 2,366
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
/mo
5.875%
6.024%
1.198
$0
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$ 2,495
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
/mo
6.375%
6.414%
-0.011
$0
Apply
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Whether you’re buying a home or ready to refinance, our professionals can help.

Live Mortgage Rate Quote Tool – Live Rates 24/7 

Over 15 years ago we decided to be one of the first mortgage companies to allow our clients to get rates and costs online with our online rate quote tool. This transparency has helped us build trust with our clients and empowered them to take control of the mortgage process and with guidance from our experienced Mortgage Advisors make informed decisions on what loan structure works best for their specific situation.

Eugene Mortgage Rates

The real estate market in the city of Eugene, OR, has grown considerably in recent years. This is reflected in the median home value of the city. Currently, Eugene boasts a median home value which is around $447,570. Eugene is classified as a hot market, as of January 2022, and this means that buyers can expect that their purchase will function well as an investment. If you buy a property now in Eugene, you can reasonably expect this property to increase in value in the foreseeable future.

The benefits of a Eugene home go beyond the potential gains of the real estate market. The city of Eugene has plenty of eye-catching scenery, including parts of Fern Ridge Lake, Hendricks Park, South Ridge City Park, and the Willamette River. What’s more, Eugene has lots of desirable neighborhoods featuring low crime and attractive homes. There are neighborhoods such as Fox Hollow, South Hill, Fairmont, Laurel Hill, Whiteaker, and Harlow. These are just a few of the great neighborhoods Eugene has to offer.

Understanding Your Quote and Percentage Rate

Your rate quote is based on a variety of factors (including your credit score, down payment, and purchase price) and delivers the most accurate results possible based on your inputs.

  • Detailed costs breakdown: Click on the “view” tab under “details” to see an itemized list of all estimated costs.
  • Rate & APR: Your rate is the anticipated interest rate. The APR is the total cost of your loan, expressed as an annual percentage rate.
  • Origination charges: Sammamish Mortgage doesn’t charge industry-standard lender fees, so the amount for “origination fee” will typically be zero.
  • Discount points: You can buy “points” by paying an amount for each point equal to 1% of the purchase price, and lower your interest rate by up to a quarter of a percent for each point purchased.
  • Monthly mortgage payment: This includes the principal and interest included in your base monthly payment.
  • Estimated third-party charges: This includes the wide range of fees included in your closing costs.
  • Closing costs: The closing cost total listed includes everything except prepaid items such as property taxes, homeowner’s insurance, and daily interest.
  • Private mortgage insurance premiums: PMI is required on loan to value (LTV) ratios over 80% (except on VA loans). We offer reduced PMI options with as little as 3% down.
  • Rate locks: We can lock your rate from 30 up to 180 days.

Why Sammamish?

One of the big advantages of applying for mortgage rate quotes and preapproval through Sammamish Mortgage is that we charge none of the traditional lender fees added by mortgage brokers.

We also pay our Loan Officers a salary instead of a commission based on the loan amount, so they are motivated to help you find the best home loan, not just sell you the biggest loan. If you are ready to move forward, you can view rates, obtain a customized quote using our Instant Rate Quote tool, or apply for preapproval directly from our website.

Rates Depend on Multiple Factors

Mortgage rates depend on a wide range of different factors. Just one of these factors is points and closing costs paid at closing. Additional factors that can affect your mortgage rate is credit score, down payment, property type, occupancy, loan program and number of days you are locking your rate. The rate quote tool quotes custom rates and costs based on your specific criteria to give you the most accurate reflection of what your rate will be without submitting a full application.

Understanding which rate and cost option best suites your situation isn’t easy. This is where the mortgage specialists at Sammamish Mortgage come into play. Our specialists are available to answer any questions you have, but they can also counsel you on which loan structure will best fit into your long-term financial plan.

Rate quote isn’t what you expected?

If your instant rate quote isn’t what you expected, we can provide counsel on how to potentially transform your quote into something more acceptable. Sammamish Mortgage is a family-owned mortgage company with over 29 years of experience in the industry. We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR and CO. If you’re looking to buy a home in one of these states, we can help!

Our Reviews

Carrie B
March 23, 2023
Great communication. Quick to respond. Very helpful, making the process easy.
Tony Lam
March 20, 2023
Steve has been a pleasure to work with. His attention to detail, patience, and service is top notch. Also a shout out to Sandra, who was part of the weekend on-call staff. The staff go above and beyond to provide excellent customer service. Although I did not ultimately close with Sammamish, I highly recommend considering Sammamish if you are in the market for a loan.
Daniel Tobin
March 12, 2023
We had the pleasure of working with Senior Loan Officer Trevor with the purchase of our first home. The entire process was smooth, efficient and very informative. Sammamish Mortgage went above and beyond what our expectations were and we feel very fortunate to have selected them to work with. Great family/local business. I cannot say enough good things about them. If you're shopping for home loans, these are your guys!
Muath Mahmoud
March 9, 2023
Ryan and Tonya gave me some of the most impressive customer service I've ever experienced. As so many know, the home-buying experience can be a mountain of uncertainty, worry, and stress, and the financing can be extra-special maddening. Here's my story: I received our pre-approval under another company although I explained my entire situation they said everything is PERFECT!!! I as less 15 days of my closing and needed something urgently or ill lose my home under this crazy market situation. Ryan responded to my call for a more competitive quote, worked with me until 6pm and then again starting at 8am, and got the whole loan locked kept assuring me how delightful and trustworthy they are.Then guess what!!! My loan were approved in just 3 days.... Their service didn't stop there. Throughout the process, they communicated clearly, openly, and honestly with me. Ryan and Tonya didn't simply model what an ideal Loan Officer should do; he modeled what anyone in customer service should do. Just stop your research and use Samamish mortgage!
Tania K
March 8, 2023
It was great. Ryan Shane is an exceptional partner through this process.
Dustin Ellzey
March 4, 2023
Great experience from the start. I worked with Nick and he was honest and informative throughout the whole process. When I was ready to lock he let me know rates had actually dropped and gave me an even better quote. Honest business practices, and that goes a long way with me.
Kirsten H
March 3, 2023
We loved our experience with Sammamish Mortgage. Ryan Shane went above and beyond to help our house offer go through and get our loan process started! Thank you!

Sammamish Mortgage Can Help You with a Rate Quote

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We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR and CO. If you’re looking to buy a home in one of these states, we can help!

  • Sammamish Mortgage No Cost Program
  • Live Real-Time Custom Rates and Costs
  • Low Mortgage Rate Quotes and Fees
  • Detailed Cost Breakdown
  • On Time Closing
  • Transparency In All We Do
  • Unparalleled Reputation
  • Communication Is Key
  • Reduced Monthly PMI
  • Fast Appraisals
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