• 503.643.5220Refinance Buy a Home

    • Highlighted Program

    Highlighted Program

    STaR Loan

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

    Get Started

    Pomerleau

    Pomerleau

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

    Bridge Loan Programs

    Bridge Loan Programs

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

    Mattson

    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

    Refinance

    Refinance

    Refinancing really helped us consolidate our debt and lower monthly payments.
    [Learn More]

    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 Refinance

    STaR Firemen

    STaR Firemen

    The STaR mortgage program helps our educators, first responders, and correctional officers save some hard earned cash.
    [Learn More]

    The Chenoa Fund Program

    The Chenoa Fund Program

    We weren't sure how to cover the down payment until my brother told me about 100% Mortgage Financing with the Chenoa Fund.
    [Learn More]

    Heidi F.

    Heidi F.

    "Home should always be your safe zone"
    - Heidi, Homeowner

    Dream Home Renovation

    Dream Home Renovation

    We were able to turn a fixer upper into our Dream Home!
    [Learn More]

    iconBoxJumbo

    iconBoxJumbo

    Investor Advantage

    Investor Advantage

    I needed the most purchasing power to buy my investment property.
    [Learn More]

    brown hair woman with a smile

    brown hair woman with a smile

    Rents are just getting too high. Maybe it's time to buy?
    [Learn More]

    Old Guy with Smile/Retirement

    Old Guy with Smile/Retirement

    I received the support I needed for my retirement goals.
    [Learn More]

    Asian Man – Investment/Vacation Home

    Asian Man – Investment/Vacation Home

    Our vacation home also doubled as an investment property.
    [Learn More]

    Just a kid/Redheaded Boy

    Just a kid/Redheaded Boy

    I'm just a kid.

    Blonde girl with glasses

    Blonde girl with glasses

    I only had to pay 3.5% down with an FHA Loan.
    [Learn More]

    Refinancing Options

    Refinancing Options

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

    Try it Now

    Red Dress/Renovations

    Red Dress/Renovations

    This was a great time for us to refinance while we made some much needed renovations.
    [Learn More]

    Fixed Testimonial

    Fixed Testimonial

    Keys on Time

    Keys on Time

    When we moved to Washington, we used the Keys on Time program with SecureLock and got into our new home lightning fast!
    [Learn More]

    Future Loan Officer

    Future Loan Officer

    Future loan officer.
    [Learn More]

    African American Businessman

    African American Businessman

    Understanding our credit made a huge difference in buying our first home.
    [Learn More]

    iconBoxFHA

    iconBoxFHA

    Old Guy with pipe

    Old Guy with pipe

    When I was your age we walked through 10 miles of snow to get a mortgage!

    Naked Guy

    Naked Guy

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

    iconBoxVA

    iconBoxVA

    Are you looking for a mortgage company that cares about your financial future?

    Buy a Home Refinance

    Our Clients Love Us

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

    Read Testimonials

    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
     

  • Equal Housing Opportunity © 2021 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 OR, WA, CA, ID, TN, TX, AZ | Licensed by the Dept of Financial Protection and Innovation under the CRMLA. Licensed under the Oregon Consumer Finance Act

    © Copyright 2021 - Options Financial Residential Mortgage

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


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


    Bend Office:
    NMLS 2120421
    1001 SW Disk Dr., Suite #250
    Bend, OR 97702
    541.602.0865
    Licenced in OR, WA

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