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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
Piggy bank Save money
Lower cost Lower Payments

Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
House Become mortgage-free quickly
Lower interest Pay less interest

Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

Why should I cash out?
Paint roller Renovations
Credit card hazard Pay for other debts or emergencies

Oregon Mortgage Rates

Enjoying the natural beauty ranging from coastline to mountains might be the most commonly cited reason for living in Oregon, but that doesn’t even touch on other positives like some of the best craft breweries in the country and no state sales tax!

There is no shortage of reasons for purchasing a home anywhere in the Beaver State, but you definitely want to ensure that you are locking in the best possible mortgage option for your situation when you do!

Common Oregon Loan Types:

  • Oregon conventional mortgages: Most home loans across the state of Oregon are conventional mortgages, which are available from a wide range of lenders that you can compare using These loans typically require decent credit and a solid down payment.
  • Oregon FHA loans: Loans from FHA approved lenders are a popular option among first-time homebuyers, as they often offer lower down payment requirements and are available to consumers with lower credit scores. The loans are insured by the Federal Housing Administration but they require the payment of a Mortgage Insurance Premium (MIP) adding to their total cost. You can find and compare FHA mortgage lenders using
  • Oregon VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in Oregon through VA loans require no down payment and typically have lower interest rates than conventional mortgages.

Oregon Mortgage Rates Compared to National Averages

Depending on when you want to move, you might find that mortgage rates in Oregon come in either higher or lower than the national averages. Those rates bounce around here a little more than in other parts of the country, but using to compare lenders will always help you find the right option.

Oregon can also be quite expensive in terms of home values and overall cost of living, but you often get what you pay for, and the gorgeous natural scenery is worth the price of admission for millions of residents here.

When you are ready to start looking for your dream home in Oregon, don’t forget to use to compare lenders before you begin the home-buying process!