THE FHA IN Oregon

FHA loans have been helping Oregon residents since 1934

An FHA Specialist can offer you a better loan including:

  • Low Down Payment Plans

  • Low Closing Cost

  • Easier Credit Qualifications

  • Lowest Federal Reserve based  Interest Rate

  • 24 Hour Pre-Approval Process

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 program.

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 FHA Mortgage Interest Rates continue to decline.

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 on your own.

Oregon FHA Home Loan

How it works:

√  Determine the type of FHA Government Loan 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 base.

  • 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

√  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 2025

Oregon Median Home Sale Price Price $522,000

CountyOne Unit Two UnitThree Unit Four Unit
BAKER$524,225 $671,200$811,275 $1,008,300
BENTON$598,000 $765,550$925,350 $1,150,000
CLACKAMAS$695,750 $890,700$1,076,650 $1,338,000
CLATSOP$561,200 $718,450$868,400 $1,079,250
COLUMBIA$695,750 $890,700$1,076,650 $1,338,000
COOS$524,225 $671,200$811,275 $1,008,300
CROOK$524,225 $671,200$811,275 $1,008,300
CURRY$524,225 $671,200$811,275 $1,008,300
DESCHUTES$713,000 $912,750$1,103,350 $1,371,150
DOUGLAS$524,225 $671,200$811,275 $1,008,300
GILLIAM$524,225 $671,200$811,275 $1,008,300
GRANT$524,225 $671,200$811,275 $1,008,300
HARNEY$524,225 $671,200$811,275 $1,008,300
HOOD RIVER$762,450 $976,100$1,179,850 $1,466,250
JACKSON$524,225 $671,200$811,275 $1,008,300
JEFFERSON$524,225 $671,200$811,275 $1,008,300
JOSEPHINE$524,225 $671,200$811,275 $1,008,300
KLAMATH$524,225 $671,200$811,275 $1,008,300
LAKE$524,225 $671,200$811,275 $1,008,300
LANE$524,225 $671,200$811,275 $1,008,300
LINCOLN$524,225 $671,200$811,275 $1,008,300
LINN$524,225 $671,200$811,275 $1,008,300
MALHEUR$524,225 $671,200$811,275 $1,008,300
MARION$524,225 $671,200$811,275 $1,008,300
MORROW$524,225 $671,200$811,275 $1,008,300
MULTNOMAH$695,750 $890,700$1,076,650 $1,338,000
POLK$524,225 $671,200$811,275 $1,008,300
SHERMAN$524,225 $671,200$811,275 $1,008,300
TILLAMOOK$524,225 $671,200$811,275 $1,008,300
UMATILLA$524,225 $671,200$811,275 $1,008,300
UNION$524,225 $671,200$811,275 $1,008,300
WALLOWA$524,225 $671,200$811,275 $1,008,300
WASCO$524,225 $671,200$811,275 $1,008,300
WASHINGTON$695,750 $890,700$1,076,650 $1,338,000
WHEELER$524,225 $671,200$811,275 $1,008,300
YAMHILL$695,750 $890,700$1,076,650 $1,338,000