Oregon Mortgage Loans 2025 | Wain Capital

Financing a home in Oregon? Wain Capital helps buyers and homeowners across Portland, Bend, Eugene, Salem, Medford, the Oregon Coast, and beyond with competitive rates, clear guidance, and fast closings.

Why Oregon Homebuyers Choose Wain Capital

• Local expertise across Portland Metro, Willamette Valley, Central Oregon, Southern Oregon, and the Coast
   
• Clear options for first-time buyers, move-up buyers, second homes, and investment property financing
   
• Competitive pricing on Conventional, FHA, VA, Jumbo, and refinance programs
   
• Streamlined pre-approval and proactive communication from application to keys
   

Popular Loan Options in Oregon

• Conventional Loans – Strong pricing, 3%–5% down options for qualified buyers, great for well-qualified borrowers
   
• FHA Loans – 3.5% down with flexible credit requirements; ideal for first-time buyers
   
• VA Loans – 0% down for eligible veterans and service members; no monthly PMI
   
• Jumbo Loans – High-balance financing for homes above conforming limits (varies by county); available fixed or ARM
   
• Refinance – Lower your rate, change your term, or tap equity for renovations or debt consolidation
   
• Renovation & Energy-Efficient Options – Finance improvements and energy upgrades with select programs
   

Who We Help in Oregon

• Buyers in high-value markets (e.g., Portland’s West Hills, Lake Oswego, Dunthorpe; Bend areas like Tetherow, NorthWest Crossing, Awbrey Butte; Hood River; coastal communities)
   
• First-time buyers who want low down payment options and clear guidance
   
• Second-home and investment buyers across Central Oregon and the Oregon Coast
   
• Veterans and active-duty families using VA benefits
   

Jumbo Loans in Oregon (High-Balance Financing)

Purchasing above your county’s conforming loan limit? We structure Jumbo solutions with competitive rates, smart down-payment strategies, and clear requirements for income, reserves, and appraisals—so you can compete in Oregon’s most desirable neighborhoods.

Oregon-Focused Tips

• Get fully underwritten pre-approval before touring competitive homes in Portland, Bend, or Hood River.
   
• Ask about rate-buydown and seller credit strategies to lower monthly payments.
   
• Consider ARM options for Jumbo scenarios if you expect to move or refinance within 5–10 years.
   
• Explore available down-payment assistance and first-time buyer programs (eligibility varies—ask us to review your options).
   

Frequently Asked Questions (Oregon)

What loan programs are most popular in Oregon?
Conventional and FHA dominate entry-level price points, while VA is excellent for eligible borrowers. Jumbo is common in high-value areas around Portland and Bend.

Can I buy a second home or vacation property?
Yes—financing available for the Oregon Coast, Mt. Hood corridor, Sunriver/Sisters, and other second-home destinations.

How fast can I close in Oregon?
With complete documentation, many buyers close in as little as 21–30 days depending on program and appraisal timelines.

Do I need 20% down in Oregon?
Not necessarily. FHA (3.5% down) and Conventional (as low as 3–5% down) are available for qualified borrowers. VA may allow 0% down for eligible veterans. Jumbo typically requires larger down payments.

Service Areas (Oregon)
Portland • Beaverton • Hillsboro • Lake Oswego • West Linn • Tigard • Tualatin • Oregon City • Gresham • Vancouver-adjacent suburbs • Salem • Keizer • Eugene • Springfield • Corvallis • Bend • Redmond • Sisters • Sunriver • Medford • Ashland • Grants Pass • Hood River • The Dalles • Newport • Lincoln City • Astoria • Cannon Beach • Seaside • Coos Bay • North Bend

Get Pre-Approved
Start your Oregon pre-approval today with Wain Capital. We’ll compare programs, confirm today’s eligibility, and guide you to a confident closing.

Related loan options

• Conventional Loans – /conventional-loans

• FHA Loans – /fha-loans

• VA Loans – /va-loans

• Jumbo Loans – /jumbo-loans

• Refinance = /refinance

Popular Oregon areas we serve

Portland • Lake Oswego • West Linn • Beaverton • Hillsboro • Tigard • Tualatin • Salem • Eugene • Corvallis • Bend • Redmond • Sisters • Sunriver • Hood River • Medford • Ashland • Newport • Lincoln City • Cannon Beach • Seaside • Astoria