For many home buyers in Oregon, the down payment is the biggest obstacle to homeownership. That’s why so many buyers seek low-down-payment mortgage loans when buying a house. This article explains some of the ways you can get a low down payment in Oregon, and how you might be able to obtain some of the money from a third-party source.
You don’t necessarily need a 20% down payment to buy a house. That’s a common misconception. In fact, there are several ways to get a low down payment when buying a home in Oregon. This is true for first time and repeat buyers alike.
Federal Housing Administration (FHA): Many home buyers in Oregon choose the FHA loan program because it offers a relatively low down payment of 3.5%. Specifically, that’s 3.5% of the appraised value or purchase price, whichever happens to be less. Another benefit of using the FHA loan program is that it allows for gift money from third-party donors. This means someone else could contribute toward your down payment expense. We will talk more about these gifts in a moment.
Conventional loan with 3% down: A conventional mortgage loan is one that is not insured or guaranteed by the government, which separates it from the FHA program mentioned above. In previous years, the minimum down payment for a conventional home loan in Oregon was typically 5% or more. But we are seeing new mortgage products coming onto the market, some of which offer a low down payment of 3% for Oregon home buyers. That’s because Freddie Mac and Fannie Mae (the government-sponsored enterprises that buy loans from lenders) both allow for 97% financing.
VA loan program with 100% financing: There are quite a few military members and veterans living in Oregon, and many of them could get a low down payment on a home loan through the VA program. This program completely eliminates the need for a down payment, by offering 100% financing to eligible borrowers. If you meet the specific requirements for this program, it’s definitely worth considering. It’s one of the best ways to get a low down payment in Oregon, and usually has the added benefit of no mortgage.
Getting financial help from a family member or friend is another way to lower your down payment expense when buying a home in Oregon. Many different mortgage programs allow for third-party contributions. That goes for FHA as well as conventional home loans.
The process here is fairly straightforward. You would check with your lender to see what your options are for down payment gifts. Depending on the program you use, the money could come from a family member, a close friend, or even an employer.
Next, the donor would provide you with the funds, usually in the form of a check that gets deposited into your bank account. The person donating the money must also write a letter stating that they do not require or expect any form of repayment.
If you use a low down payment loan program in Oregon, you will probably have to pay some kind of mortgage insurance. These policies protect lenders from losses relating to default, and they are generally required whenever the loan-to-value ratio exceeds 80%. In other words, if you use a mortgage loan that accounts for more than 80% of the home’s value, you will probably have to pay insurance on it.
But there is a clear trade-off here. If it weren’t for the mortgage insurance industry – and the government insurance that’s provided through the Federal Housing Administration – the average home buyer would have to wait longer and save more money in order to buy a house.
Mortgage insurance is what enables low down payment options for home buyers in Oregon. For many borrowers, the opportunity to put less money down more than makes up for the relatively small cost of mortgage insurance. Still, it’s something to be aware of, since it can increase the size of your monthly payments.
Note: This is not an exhaustive list of mortgage programs and low down payment options for Oregon home buyers. There are far too many financing programs available to mention in one article. Our goal is to give you a basic overview of mortgage options that offer a relatively low down payment.
Have questions? Sammamish Mortgage is a local, family-owned company based in Bellevue, Washington. We serve the entire state, as well as the broader Pacific Northwest region. Please contact us if you have mortgage-related questions.
Updated at 2021-06-22
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Sale of Business
Links to Other Websites
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The California Consumer Privacy Act (CCPA) requires us to disclose categories of Personal Information we collect and how we use it, the categories of sources from whom we collect Personal Information, and the third parties with whom we share it, which we have explained above. We are also required to communicate information about rights California residents have under California law. You may exercise the following rights:
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us. For more information about these rights, please contact us. Request to Not Sell for California Residents You may submit a request to us to not sell your Personal Information, which will be effective for 12 months [add url to specific website called “Do Not Sell My Personal Information” that allows consumers to opt out of the sale of personal information
California Information Sharing Disclosure
California Civil Code Sections 1798.115(c), 1798.130(a)(5)(c), 1798.130(c), and 1798.140 indicate that organizations should disclose whether the following categories of personal information are collected, transferred for “valuable consideration,” or transferred for an organization’s “business purpose” (as those terms are defined under California law). The table below indicates the categories of personal information we collect and transfer in a variety of contexts. Please note that because this list is comprehensive, it may refer to types of information that we collect and share about people other than yourself, for instance for those people that utilize our Rates and Money website.
|Category of Personal Information||Is information collected by us?||Is information transferred for valuable consideration?||Is information trasferred for business purposes?|
|Audio, electronic, visual, thermal, olfactory, or similar information||☐||☐||☐|
|Bank account number||☑||☐||☑|
|Commercial information (e.g., products or services purchased, or other purchasing or consuming histories or tendencies)||☐||☐||☐|
|Credit card number||☑||☐||☑|
|Debit card number||☑||☐||☑|
|Driver's License Number/ State ID||☑||☐||☑|
|Electronic network activity (e.g., browsing history)||☑||☐||☑|
|Health insurance information||☐||☐||☐|
|Identifiers (e.g., name or alias)||☑||☑||☑|
|Insurance Policy Number||☐||☐||☐|
|Online identifier (e.g., IP address)||☑||☐||☑|
|Other financial information||☑||☑||☑|
|Social Security Number||☑||☐||☑|
Don’t hesitate to contact us if you have any questions.
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Updates to Our Websites
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Term and Termination
This Agreement shall remain in effect until terminated by you or Sammamish Mortgage.
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Without limiting the foregoing, Sammamish Mortgage does not make any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Websites, or the information, content, and materials or products included thereon; (ii) that the Websites will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Websites; or (iv) that the Websites, their servers, the content, or e-mails sent from or on behalf of Sammamish Mortgage are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of or limitations on implied warranties or the limitations on the applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you.
Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall Sammamish Mortgage be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, for loss of data or other information, for business interruption, for personal injury, for loss of privacy arising out of or in any way related to the use of or inability to use the Websites, third-party software and/or third-party hardware used with the website, or otherwise in connection with any provision of this Agreement), even if Sammamish Mortgage has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.
If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Agreement shall not affect a party’s ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute waiver of any subsequent breach.
No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under this Agreement shall operate as a waiver of that right or power. Nor shall any single or partial exercise of any right or power under this Agreement preclude further exercise of that or any other right granted herein. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.
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Updates to this Agreement
We may change our Services and policies, and we may need to make changes to these Terms so that they accurately reflect our Services and policies. Unless otherwise required by law, we will notify you (for example, through our Services) before we make changes to this Agreementand give you an opportunity to review them before they go into effect. If a revision is material we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Then, if you continue to use the Services, you will be bound by the updated Agreement. If you do not want to agree to these or any updated Agreement, you can delete your account.
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Applicable Law and Venue.
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Agreement to Arbitrate
This section applies to any dispute EXCEPT IT DOESN’T INCLUDE A DISPUTE RELATING TO CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF REGARDING THE ENFORCEMENT OR VALIDITY OF YOUR OR Sammamish Mortgage’s INTELLECTUAL PROPERTY RIGHTS. The term “dispute” means any dispute, action, or other controversy between you and Sammamish Mortgage concerning the Services or this agreement, whether in contract, warranty, tort, statute, regulation, ordinance, or any other legal or equitable basis. “Dispute” will be given the broadest possible meaning allowable under law.
Notice of Dispute
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If you and Sammamish Mortgage don’t resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. The dispute shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Either party may seek any interim or preliminary injunctive relief from any court of competent jurisdiction, as necessary to protect the party’s rights or property pending the completion of arbitration.
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This Agreement to Arbitrate will survive the termination of your relationship with us.
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We, through the Services, may provide a venue through which you can obtain information and you can find third-party service providers, such as financial institutions (“Third-Party Providers”). We do not endorse or recommend the products or services of any Third-Party Provider and are not an agent or advisor to you or any Third-Party Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Third-Party Providers. It is your responsibility to investigate Third-Party Providers. You acknowledge and agree that Third-Party Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Third-Party Provider’s products or services. You acknowledge and agree that you rely on your own judgment and your advisors in selecting any products or services offered by Third-Party Providers.
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We may share your information with third parties when you use the Rates and Money website to request a rate, quote, service, approval, or information from those third parties (a “Request”).
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Sammamish Mortgage is a distributor and not a publisher of the content supplied by third parties; as such, Sammamish Mortgage exercises no editorial control over such content and makes no warranty or representation as to the accuracy, reliability or currency of any information, content, service or merchandise provided through or accessible via the Sammamish Mortgage Service. Without limiting the foregoing, Sammamish Mortgage specifically disclaims all warranties and representations in any content transmitted on or in connection with the Sammamish Mortgage Services or on sites that may appear as links on the Sammamish Mortgage Service, or in the products provided as a part of, or otherwise in connection with, the Sammamish Mortgage Services, including without limitation any warranties of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or written information given by Sammamish Mortgage or any of its affiliates, employees, officers, directors, agents, or the like will create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, Sammamish Mortgage does not warrant that the Sammamish Mortgage Services will be uninterrupted, uncorrupted, timely, or error-free.
Don’t hesitate to contact us if you have any questions.
Email: [email protected]
Phone Number: (425) 401-8787
This Link: https://www.sammamishmortgage.com/
This Address: 3055 112th Ave NE Suite 203 Bellevue, WA 98004