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Welcome to the Oregon home loan library. On this page, you’ll find links to all of our articles relating to mortgage loans in Oregon. It also includes housing market news, home buying tips, and other useful information. This page is updated regularly when new content comes online.
Oregon Mortgage Programs Explained
This is one of our most popular articles among home buyers in Oregon. It explains some of the primary mortgage programs you can choose from when buying a house. This is a great place to start if you’ve never used a home loan before.
Conforming Loan Limits for Oregon
A “conforming” home loan is one that meets the size limits and other requirements used by Freddie Mac and Fannie Mae. On this page, you’ll find a more detailed explanation, along with the current limits for Oregon.
Down Payment Options for Buyers
The minimum down payment needed when buying a house in Oregon can vary, based on the type of mortgage loan you use and other factors. But there are ways to minimize your out-of-pocket expense, and they are explained here.
How Much Can I Borrow?
The amount of money you can borrow in the form of a home loan will depend on your income, the amount of other recurring debts you have, and other factors. Loan limits could also affect your borrowing capacity.
FHA Loans: A Borrower’s Guide
FHA-insured mortgage loans are a popular financing option among first-time home buyers in Oregon, thought they’re not limited to that group. Here’s what you need to know about this program, including the minimum requirements.
FHA Down Payments in Oregon
While the article above offers a general overview of down payments, this one focuses on the Federal Housing Administration (FHA) loan program in particular. Oregon home buyers who use this program must put at least 3.5% down.
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 since 1992. Please contact us if you have any mortgage-related questions.