Options RM - about you. not just a mortgage

503.643.5220 Refinance Buy a Home

A division of American Pacific Mortgage Corporation NMLS 1850

STaR Loan

Are you employed in the education sector, a correctional officer, or a first responder?

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"We wanted a forever home large enough for our growing family."
- Mary & Sean, Homeowners

APM's Bridge Loan options helped me sell my current home, while I purchased a new one.
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"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

Refinancing really helped us consolidate our debt and lower monthly payments.
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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 Refinance

The STaR mortgage program helps our educators, first responders, and correctional officers save some hard earned cash.
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We weren't sure how to cover the down payment until my brother told me about 100% Mortgage Financing with the Chenoa Fund.
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"Home should always be your safe zone"
- Heidi, Homeowner

We were able to turn a fixer upper into our Dream Home!
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I needed the most purchasing power to buy my investment property.
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Rents are just getting too high. Maybe it's time to buy?
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I received the support I needed for my retirement goals.
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Our vacation home also doubled as an investment property.
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I'm just a kid.

I only had to pay 3.5% down with an FHA Loan.
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Refinancing Options

Is refinancing right for you? Try our calculator and see what you could be saving.

Try it Now

This was a great time for us to refinance while we made some much needed renovations.
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When we moved to Washington, we used the Keys on Time program with SecureLock and got into our new home lightning fast!
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Future loan officer.
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Understanding our credit made a huge difference in buying our first home.
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When I was your age we walked through 10 miles of snow to get a mortgage!

Naked bike ride. Totes awesome. Stay weird, Portland.

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

© 2020 Options Financial Residential Mortgage is a division of American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.

Privacy & Security | NMLS Consumer Access | Accessibility Statement
NMLS 829593 / 1850 Licensed in CA, OR and WA | Licensed by the Dept. of Business Oversight under the California Residential Mortgage Lending Act

Oregon Office:
NMLS 829593
8625 SW Cascade Ave., Ste. 270
Beaverton, Oregon 97008
503.643.5220
Licenced in CA, OR, WA

Washington Office:
NMLS 787279
201 NE Park Plaza Dr., Ste. 200
Vancouver, WA 98684
360.253.5518
Licenced in OR, WA

Highlighted Program

STaR Loan

Pomerleau

Bridge Loan Programs

Mattson

Refinance

About You

About You.

Not Just Mortgage.

STaR Firemen

The Chenoa Fund Program

Heidi F.

Dream Home Renovation

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Investor Advantage

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Old Guy with Smile/Retirement

Asian Man – Investment/Vacation Home

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Refinancing Options

Refinancing Options

Red Dress/Renovations

Fixed Testimonial

Keys on Time

Future Loan Officer

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