Mortgage Information
Understanding your financing options is the first step to buying a home. I work with trusted local lenders and can help you navigate the mortgage process from pre-approval to closing.
Loan Options At a Glance
Conventional Loans
The most common loan type. Typically requires a 3 to 5 percent down payment with good credit. Flexible terms and competitive rates for qualified borrowers.
FHA Loans
Insured by the Federal Housing Administration. Allows as little as 3.5 percent down and more flexible credit requirements. Popular with first-time buyers.
VA Loans
Available to eligible veterans, active-duty service members, and military families. Zero down payment, no private mortgage insurance, and competitive rates. I proudly serve military clients throughout Oregon and Washington.
USDA Loans
For homes in eligible rural and suburban areas. Zero down payment for qualified buyers. Several Portland Metro suburbs qualify.
Local Programs and Tips
Oregon Down Payment Assistance. Oregon offers several programs to help buyers with down payment and closing costs, including the Oregon Mortgage Guaranty (OGMA) and Oregon Bond programs. Many local cities also offer assistance for first-time buyers.
Pre-approval is step one. Getting pre-approved before you start house hunting shows sellers you are serious and gives you a clear picture of your budget. I can connect you with trusted local lenders who know the Portland Metro market.
Understand your monthly costs. Your mortgage payment includes principal, interest, taxes, and insurance (PITI). In Oregon and Washington, property taxes and insurance vary by location, so I help buyers estimate their true monthly cost before making an offer.
Work with a local lender. Portland Metro-based lenders understand local appraisal trends, property tax quirks, and the specific requirements of Oregon and Washington. I recommend lenders who close on time and communicate clearly.
Ready to Get Pre-Approved?
I work with trusted local lenders who can help you find the right financing. Let's connect you with the right partner for your situation.