Oregon Mortgage Lender

Bayview Residential Brokerage is a licensed Oregon mortgage broker (NMLS ID 329189) helping buyers and homeowners across the state finance the right home at the right terms. Because we are a broker rather than a single bank, we shop dozens of wholesale lenders on your behalf and bring back the most competitive fit, whether you are buying in the Portland metro, the Willamette Valley, Central Oregon or the Rogue Valley.

This page covers the essentials for financing a home anywhere in Oregon in 2026, and you can follow the links to your city for local detail.

The Oregon housing market in 2026

Oregon spans several distinct markets. The Portland metro, including Beaverton, Hillsboro and Gresham, is the largest and is anchored by a strong technology and healthcare economy. The Willamette Valley cities of Salem, Eugene, Springfield and Corvallis offer relative affordability and stable university and government employment, while Bend has become a fast-growing Central Oregon destination and Medford anchors the Rogue Valley in the south.

After several years of rapid gains, prices across most of Oregon have leveled off and homes are taking a bit longer to sell, giving buyers more negotiating room. Because prices vary from one region to the next, matching the loan to the local market is where a broker adds real value.

Loan programs for Oregon buyers

Conventional loans. The default for buyers with solid credit, with as little as 3% down for qualified first-time buyers.

FHA loans. A lower 3.5% down payment and flexible qualifying, popular with first-time and credit-building buyers across the state.

VA loans. Zero down payment and no monthly mortgage insurance for eligible veterans and active-duty service members throughout Oregon.

USDA loans. Zero-down financing for eligible rural communities, common in the Willamette Valley fringe, Southern Oregon and Central Oregon.

Jumbo loans. For higher-priced homes above the $832,750 conforming limit, most common in Bend and the close-in Portland market.

Reverse mortgages. For homeowners 62 and older who want to convert equity into cash without a monthly mortgage payment.

Down payment assistance and property taxes

Oregon buyers can get help with the down payment through Oregon Housing and Community Services (OHCS). The Oregon Bond Residential Loan Program pairs a competitive first mortgage with a Cash Advantage down payment assistance option, and other state and local programs can help qualified buyers. On the tax side, Oregon property taxes are moderate and, thanks to Measure 50, fairly predictable, based on a capped assessed value that generally rises no more than 3% per year. When we prepare your pre-approval, we include realistic tax and insurance estimates so your monthly number is the real one.

Why work with Bayview in Oregon

A retail bank can only offer its own products. As a broker, Bayview Residential Brokerage shops dozens of lenders on your behalf and brings back the most competitive fit, which often means a lower rate, lower fees, or a program a single bank does not carry. You do all your comparison shopping with one company, and you keep the same advisor from your first question through closing day. We are licensed across Oregon, Washington, California, Arizona and Hawaii.

Oregon mortgage FAQs

What are the 2026 conforming loan limits in Oregon?

Every Oregon county uses the baseline of $832,750 for a single-family home in 2026. No county qualifies for a high-cost exception, so loans above that are jumbo.

Is Bayview licensed to lend in Oregon?

Yes. Bayview Residential is a licensed Oregon mortgage broker (NMLS ID 329189) serving buyers statewide.

What down payment assistance is available in Oregon?

Oregon Housing and Community Services offers the Oregon Bond Residential Loan Program with a Cash Advantage down payment assistance option for qualified buyers.

How do Oregon property taxes work?

Thanks to Measure 50, your bill is based on a capped assessed value that generally rises no more than 3% per year, which keeps taxes fairly predictable.

See all mortgage FAQs ›