Today’s Mortgage Rates in Eugene

Get today’s mortgage and refinance rates plus current home buying and refinance advice for Eugene residents.
  • Interest Rate
  • APR

* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment

Unlock Your Dream Home in Eugene with Premier Mortgage Solutions Since 1992

In your quest for the perfect home in Eugene, let us light the way. Sammamish Mortgage has been empowering the Eugene community to realize their homeownership aspirations for decades. From the lush landscapes of the Willamette River banks to the artistic vibes of the Whiteaker neighborhood, we’re deeply familiar with what makes Eugene unique and are ready to guide you through every phase of the mortgage process.

Current Mortgage Rates in Eugene

Delving into Eugene’s housing market? It’s crucial to understand that mortgage rates in our charming city can vary due to:

  • Your selected mortgage lender
  • The current state of interest rates
  • The amount of your down payment
  • Your credit score
  • The mortgage type you select
  • Additional fees and the total closing costs

Your Trusted Mortgage Advisors in Eugene

Achieving the best possible mortgage rate in Eugene requires partnering with a lender who puts transparency first. Our Loan Officers are salaried experts committed to providing you with advice that’s tailored to your personal situation, free from the influence of commission-based incentives.

Eugene’s Residential Landscape

From cozy cottages in friendly neighborhoods to modern townhomes in the heart of downtown, Eugene’s housing market is as diverse as its residents.

Versatile Home Loan Programs in Eugene

Eugene’s dynamic and varied housing market is matched by our wide range of loan programs designed to meet the unique needs of its homeowners. Whether you’re stepping into the market for the first time or looking to refinance, we’re here with a solution that fits.

Eugene Mortgage Lenders

Looking for the best mortgage rate? Working with the right mortgage company can help you save thousands. While it can be tempting to just go to your community credit union, they won’t be able to give you as many options. Likewise, avoid “mortgage brokers” and look for a full service lender. Preferably, choose a mortgage bank that has a team of highly experience Loan Officers. You want the best advice possible on the right mortgage for you, not just the biggest loan.


Eugene Home Loan Programs

Eugene borrowers have plenty of real estate loan options. Check out these different types of popular loan programs and compare details:

30-year fixed rate loans

30-year fixed rate conventional loans make it easy for Oregon home buyers to afford a home, with low monthly mortgage loan payments in trade for more interest paid over the loan term.

VA loans

Active service members, surviving military spouses, and veterans can all apply to get a VA loan. These are very attractive since you may not need a down payment.

FHA loans

A first-time home buyer can benefit from a FHA loan, especially if you need some flexibility to make up for low income, a low down payment, or a below average credit score.

Jumbo loans

Borrowers living in a pricey zip code can benefit from a jumbo loan that can get around conventional loan limits and help you purchase a home in the best location.

Other Cities We Service in Oregon:

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Connect with a Mortgage Advisor Today!

Whether you’re buying a home or ready to refinance, our professionals can help.

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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.

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