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Today’s Mortgage Rates in Oregon

Get today’s mortgage and refinance rates plus current home buying and refinance advice for Oregon residents.

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Mortgage Lenders in Oregon Since 1992

Excited to buy a home in Oregon? Get started now, before you begin your home search in Portland or other major cities. Sammamish Mortgage can help you get preapproved with our easy, comprehensive loan application process. Do it yourself with our online mortgage application, or ask a Loan Officer for help at any phase of the process.

Oregon Mortgage Rates

Mortgage rates in Oregon depend on a few different parameters:

  • The mortgage lender you work with
  • Your qualified interest rate
  • The funds you saved for a down payment
  • How high your credit score is
  • Your preferred type of home loan
  • Any extra loan fees and closing costs

Oregon 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 salaried Loan Officers instead paying big LO commissions based on the size of home loans approved. You want the best advice possible on the right mortgage for you, not just the biggest loan.

Oregon Home Loan Programs

Oregon 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.

Ready to get pre approved? Begin your loan application online today.

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

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