Pomerleau
"We wanted a forever home large enough for our growing family."
- Mary & Sean, Homeowners
Mattson
"What initially seemed like a distant possibility became something tangible for us, and we quickly began the search for our new home."
- Ryan & Ashley,
Homeowners
About You
About You.
Not Just Mortgage.
Are you looking for a mortgage company that cares about your financial future?
What would you like to do? Buy a Home RefinanceHeidi F.
"Home should always be your safe zone"
- Heidi, Homeowner
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I'm just a kid.
Refinancing Options
Refinancing Options
Is refinancing right for you? Try our calculator and see what you could be saving.
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When I was your age we walked through 10 miles of snow to get a mortgage!
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Naked bike ride. Totes awesome. Stay weird, Portland.
Our Clients Love Us
"We wanted a forever home large enough for our growing family."
- Mary & Sean, Homeowners
Find The Right Loan Program For You!
The JUMBO Loan program is available for individuals to wish to receive a loan greater than $417,000.Learn more
- Requires lower debt-to-income ratios
- Requires higher credit scores
- A variety of options regarding loan term and other variables
A Federal Housing Administration (FHA) Loan can be used to purchase and refinance a home. This type of loan is available with an adjustable rate or a fixed rate at 10, 15, 20, 25, or 30-year terms. Learn more
- Down payment can be as little as 3.5%
- Upfront and Annual Mortgage Insurance must be obtained
- Highest cost of Mortgage Insurance when compared to all other loan types
To qualify for a Veterans Association (VA) Loan, you must be an eligible veteran or member of the armed services. VA Loans can be used for the purchase or refinance of a home.Learn more
- Require no money down
- Minimally impacted by credit issues
- Mortgage insurance varies based on the borrower’s specific eligibility
A Conventional Loan can be used for purchasing or refinancing a home. This type of loan is available with an adjustable rate or a fixed rate. Learn more
- Adjustible or fixed rate.
- Low down payment
- Purchase or refinance
Make home financing more accessible and improve the home purchasing experience. The HAP program is available only for eligible employees of participating companies. Learn more
- $695 credit toward loan processing
- Free credit report & analysis
- Zero down financing options
A Reverse Mortgage is available to homeowners 62 years of age and older who wish to purchase or refinance a home. Learn more
- Get a cash advance or a monthly disbursement
- Outstanding principle owed will increase each year
- No monthly mortgage payment
With a Renovation Loan, extra funding is allotted toward home improvement in addition to the initial amount of a purchase or refinance loan. You can use this loan for a home you want to buy and remodel. Learn more
- Improve the interest rate compared to your prior loan
- Higher interest rate
- 203k Loan options available
With a Construction Loan, you can acquire the funds you need to build a new house. This type of loan program generally comes with a higher interest rate. Learn more
- New home construction
- Construction only loans available
- Construction to permanent available
An Oregon Bond is a loan program available to Oregon residents who wish to purchase a new home. This Conventional or FHA loan program has two advantageous options. Learn more
- Guarantees payment of your loan on your behalf if you fail to repay
- Subsidized by the state of Oregon
- Reduce your transaction fees or receive a lower interest rate on your loan
Taking out a Second Mortgage allows you to access cash from the equity in your home. Second Mortgages are placed simultaneously. Learn more
- Finance a home improvement or an educational advance
- Interest paid on these loans may be tax deductible
- Very few lenders are offering Second Mortgages
A United States Department of Agriculture (USDA) Rural Development (RD) Loan can be used for the purchase of a home as well as refinancing an existing RD loan. Learn more
- Fixed rate term of either 15 or 30 years
- Only available in specified low-density population areas
- Restricts the borrower from owning another property
A Home Affordable Refinance Program (HARP) Loan is intended for the refinance of a home. For approval of this loan, the homeowner’s note must be owned by Freddie Mac or Fannie Mae. Learn more
- Available even if you owe more on your house than it is worth
- Refinance if your house is under water
- Must be current on the mortgage with a good payment history in the past year
If you can dream it, you can make it a reality. With our Dream Home Renovation program, you can buy the property that needs some renovation. Learn more
- Create your dream home instead of buying someone else’s
- The loan amount is based on future assessed value of home
- Take advantage of properties in great locations that need renovation
Welcome to the 18-day Close with your offer backed by the purchasing power of a full loan approval. Learn more
- Over 90% of owner-occupied homes qualify
- First-time and move-up homebuyers are eligible
- Single-family, condos, investment, second-homes
At Options Financial Mortgage our mission is to give all our clients the power of knowing by presenting all the options available when it comes to purchasing or refinancing a home. Learn more
- Buyers must not have owned a home in the previous three years.
- Buyers must meet income and purchase price restrictions.
- Buyers must intend to use the new home as a primary residence.
Lock your rate and secure peace of mind. With our SecureLock programs, you can lock in today’s competitive rates while you shop for a home, sell your home, or while your home is under construction. Learn more
- Lock in your rate while you shop for a home
- Lock in your rate while you sell your home
- Lock in your rate while your home is under construction
A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. Learn more
- Save up to $500 in reduced Lender Fees for qualified Teachers and First Responders
- Can be combined with Down Payment Assistance which permits gift funds to be used for 100% of the home purchase down payment