Today’s Mortgage Rates in Hillsboro, OR

Get today’s mortgage and refinance rates plus current home buying and refinance advice for Hillsboro, OR residents.
Hillsboro
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* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment

Expert Mortgage Guidance for Your Hillsboro Home Purchase Since 1992

Launch your Hillsboro home-buying journey with the assurance that comes from partnering with experienced mortgage professionals. Sammamish Mortgage has been supporting homebuyers in Hillsboro for over thirty years, helping them navigate the process with ease. Known for its thriving tech industry and beautiful parks, Hillsboro offers a unique blend of urban and suburban living. We are well-versed in the local nuances and committed to guiding you every step of the way.

Navigating Mortgage Rates in Hillsboro

Delving into Hillsboro’s real estate market? It’s essential to understand that various factors can influence mortgage rates here:

  • Your choice of mortgage lender
  • Current interest rates
  • Your down payment size
  • Your credit history
  • The type of mortgage you are considering
  • Additional fees and the total closing costs

Trusted Mortgage Professionals in Hillsboro

To secure a favorable mortgage rate in Hillsboro, it’s vital to work with a lender who values straightforward dealings. Our Loan Officers at Sammamish Mortgage are experts, prioritizing your needs, and offering recommendations that truly align with your financial objectives.

Exploring Housing Options in Hillsboro

Hillsboro caters to a wide array of housing preferences, from modern apartments in the city center to spacious single-family homes in quiet neighborhoods. The city’s diverse housing market ensures that all homebuyers can find something that suits their lifestyle.

Specialized Home Loan Programs in Hillsboro

Reflecting the diversity of its residents, Hillsboro benefits from our range of loan programs designed to meet the unique needs of its homebuyers. Whether you’re a first-time homebuyer or are interested in refinancing, we have the ideal solutions to help you achieve your homeownership goals.

Hillsboro Mortgage Lenders

Looking for a transparent 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 experienced Loan Officers. You want the best advice possible on the right mortgage for you, not just the biggest loan.

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Hillsboro Home Loan Programs

Hillsboro 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 an 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.

License: NMLS: ML-5046
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FAQs

Why should I consider a mortgage in Hillsboro, OR? 

A mortgage in Hillsboro helps you build equity while owning property in a growing Oregon community.

Who qualifies for mortgages in Hillsboro, OR? 

Buyers with steady income, acceptable credit, and the ability to meet lender requirements can qualify.

What are the costs associated with mortgages in Hillsboro, OR? 

Typical costs include interest, closing fees, insurance, and property taxes.

Which loan programs are available in Hillsboro, OR?

Options include conventional, FHA, VA, USDA, and jumbo loans depending on eligibility.

What are the biggest mistakes to avoid with mortgages in Hillsboro, OR? 

Common pitfalls include skipping pre‑approval, ignoring credit issues, and underestimating closing costs.

Are adjustable‑rate mortgages offered in Hillsboro? 

Yes, ARMs are available but are less common than fixed‑rate loans.

What credit score is needed for a Hillsboro mortgage? 

Most lenders look for scores of 620 or higher.

Can I buy a condo in Hillsboro with a mortgage? 

Yes, mortgages are available for condos that meet lender requirements.

Can I get pre‑approved for a Hillsboro mortgage online? 

Yes, many lenders, including Sammamish Mortgage, offer digital pre‑approval applications.

Do Hillsboro lenders offer jumbo loans? 

Yes, jumbo loans are available for homes priced above conforming loan limits.

What closing costs should I expect in Hillsboro? 

Closing costs usually range from 2–5% of the loan amount.

Is mortgage insurance required in Hillsboro? 

PMI is required if your down payment is under 20%.

Can self‑employed buyers get mortgages in Hillsboro? 

Yes, but lenders may require extra income documentation.

Where can I get a mortgage in Hillsboro?

Sammamish Mortgage offers several loan programs to Hillsboro borrowers.

Connect with a Mortgage Advisor Today!

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

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