Loan Programs

Fixed Rate Mortgage

We have the ability to provide you a custom term on your Fixed Rate loan, ranging from a 30 Year Fixed to a 15 Year Fixed. Do you want a 27 Year Fixed? We can do that. How about a 23 Year Fixed? We can do that too. On a Fixed Rate loan, the interest rate and monthly payments remain the same for the entire term of the loan.

Jumbo

A Jumbo mortgage provides low rates for your large loan amounts. With a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for home financing for larger loans.

Renovation Lending

Whether you are purchasing a home that needs upgrades or improvements, or adding remodeling your existing home, we offer a range of renovation loans to suit your needs.

Portfolio/ Non-QM

Every borrower is unique and often requires alternate methods of qualification. We offer a range of programs, allowing borrowers to qualify using Personal and Business Bank Statements.

Refinance: Streamline and Cash-Out

VA and FHA Streamline refinance loans do not require income documentation or an appraisal, making these low-rate loans a great choice to reduce your monthly payments.

With a Conventional Cash-Out refinance, you could consolidate those higher-interest debts by refinancing to a lower rate. Even with less-than-perfect credit, we may be able to help you lower your monthly payments or fund other projects that you have in mind.

A reduction in payments may reflect longer loan terms and higher interest charges over the life of the loan.

FHA

Insured by the Federal Housing Administration, an FHA loan can have less strict credit requirements and qualifications which help to make this loan the easiest loan for buying a home or refinancing. With as little as 3.50% down, an FHA loan can provide a great way to purchase your new home.

USDA

Qualifying rural properties allow borrowers to put $0 down on the purchase of a home. With low rates and $0 down, this is a favorite for qualified borrowers purchasing homes in smaller communites in rural areas.

VA

Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan. VA Loans offer flexible options as either Fixed Rate or Adjustable Rate Mortgages with $0 down payment. There is no loan limit for your $0 downVA purchase loan.

Manufactured Homes

We offer a range of manufactured and modular home financing options to meet the needs of all types of home buyers. This includes financing for top qualifying applicants as well as a wide range of other loan programs for prospective buyers.

Construction Loans

We have a full line of One-Time Close Construction loans available for you to build your Dream Home, including Jumbo and Conforming loans for stick built homes and Conventional Financing for Manufactured Housing.

ODVA-Oregon Dept. of Veteran Affairs

This is a unique loan program offered by the Oregon Department of Veteran Affairs. It follows the guidelines of conventional financing, but has extremely competitive 30 and 15 Year Fixed loans without the VA Funding Fee. If you are a Veteran, this loan is worthy of consideration.