THE FHA IN OREGON

FHA loans have been helping Oregon residents since 1934 

 

A licensed Oregon FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing

 

Oregon First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in Oregon with  help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Oregon FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.  

Oregon FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you are not left to figure out everything completely on your own.  

 

Oregon FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√    Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

Oregon FHA Lending Limits 2022

Oregon Median Home Sale Price Price $283,900

 

County Name Single Duplex 3 Unit 4 Unit
BAKER $275,665 $352,950 $426,625 $530,150
BENTON $323,150 $413,700 $500,050 $621,450
   CORVALLIS, OR
CLACKAMAS $408,250 $522,600 $631,750 $785,100
   PORTLAND-VANCOUVER-HILLSBORO, OR-WA
CLATSOP $281,750 $360,700 $436,000 $541,800
   ASTORIA, OR
COLUMBIA $408,250 $522,600 $631,750 $785,100
   PORTLAND-VANCOUVER-HILLSBORO, OR-WA
COOS $275,665 $352,950 $426,625 $530,150
   COOS BAY, OR
CROOK $275,665 $352,950 $426,625 $530,150
   PRINEVILLE, OR
CURRY $327,750 $419,550 $507,150 $630,300
   BROOKINGS, OR
DESCHUTES $342,700 $438,700 $530,300 $659,050
   BEND-REDMOND, OR
DOUGLAS $275,665 $352,950 $426,625 $530,150
   ROSEBURG, OR
GILLIAM $275,665 $352,950 $426,625 $530,150
GRANT $275,665 $352,950 $426,625 $530,150
HARNEY $275,665 $352,950 $426,625 $530,150
HOOD RIVER $391,000 $500,550 $605,050 $751,900
   HOOD RIVER, OR
JACKSON $280,600 $359,200 $434,200 $539,600
   MEDFORD, OR
JEFFERSON $275,665 $352,950 $426,625 $530,150
JOSEPHINE $275,665 $352,950 $426,625 $530,150
   GRANTS PASS, OR
KLAMATH $275,665 $352,950 $426,625 $530,150
   KLAMATH FALLS, OR
LAKE $275,665 $352,950 $426,625 $530,150
LANE $275,665 $352,950 $426,625 $530,150
   EUGENE, OR
LINCOLN $276,000 $353,300 $427,100 $530,750
   NEWPORT, OR
LINN $275,665 $352,950 $426,625 $530,150
   ALBANY, OR
MALHEUR $275,665 $352,950 $426,625 $530,150
   ONTARIO, OR-ID
MARION $275,665 $352,950 $426,625 $530,150
   SALEM, OR
MORROW $275,665 $352,950 $426,625 $530,150
   HERMISTON-PENDLETON, OR
MULTNOMAH $408,250 $522,600 $631,750 $785,100
   PORTLAND-VANCOUVER-HILLSBORO, OR-WA
POLK $275,665 $352,950 $426,625 $530,150
   SALEM, OR
SHERMAN $275,665 $352,950 $426,625 $530,150
TILLAMOOK $287,500 $368,050 $444,900 $552,900
UMATILLA $275,665 $352,950 $426,625 $530,150
   HERMISTON-PENDLETON, OR
UNION $275,665 $352,950 $426,625 $530,150
   LA GRANDE, OR
WALLOWA $275,665 $352,950 $426,625 $530,150
WASCO $275,665 $352,950 $426,625 $530,150
   THE DALLES, OR
WASHINGTON $408,250 $522,600 $631,750 $785,100
   PORTLAND-VANCOUVER-HILLSBORO, OR-WA
WHEELER $275,665 $352,950 $426,625 $530,150
YAMHILL $408,250 $522,600 $631,750 $785,100
   PORTLAND-VANCOUVER-HILLSBORO, OR-WA