Highlighted Program
STaR Loan
Are you employed in the education sector, a correctional officer, or a first responder?
Pomerleau
"We wanted a forever home large enough for our growing family."
- Mary & Sean, Homeowners
Bridge Loan Programs
APM's Bridge Loan options helped me sell my current home, while I purchased a new one.
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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
Refinancing really helped us consolidate our debt and lower monthly payments.
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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 RefinanceSTaR Firemen
The STaR mortgage program helps our educators, first responders, and correctional officers save some hard earned cash.
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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.
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Heidi F.
"Home should always be your safe zone"
- Heidi, Homeowner
Dream Home Renovation
We were able to turn a fixer upper into our Dream Home!
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iconBoxJumbo
Investor Advantage
I needed the most purchasing power to buy my investment property.
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brown hair woman with a smile
Rents are just getting too high. Maybe it's time to buy?
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Old Guy with Smile/Retirement
I received the support I needed for my retirement goals.
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Asian Man – Investment/Vacation Home
Our vacation home also doubled as an investment property.
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Just a kid/Redheaded Boy
I'm just a kid.
Blonde girl with glasses
I only had to pay 3.5% down with an FHA Loan.
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Refinancing Options
Refinancing Options
Is refinancing right for you? Try our calculator and see what you could be saving.
Try it NowRed Dress/Renovations
This was a great time for us to refinance while we made some much needed renovations.
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Fixed Testimonial
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!
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Future Loan Officer
Future loan officer.
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African American Businessman
Understanding our credit made a huge difference in buying our first home.
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iconBoxFHA
Old Guy with pipe
When I was your age we walked through 10 miles of snow to get a mortgage!
Naked Guy
Naked bike ride. Totes awesome. Stay weird, Portland.
iconBoxVA
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!
- Requires lower debt-to-income ratios
- Requires higher credit scores
- A variety of options regarding loan term and other variables
- 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
- Require no money down
- Minimally impacted by credit issues
- Mortgage insurance varies based on the borrower’s specific eligibility
- Adjustible or fixed rate.
- Low down payment
- Purchase or refinance
- $695 credit toward loan processing
- Free credit report & analysis
- Zero down financing options
- Get a cash advance or a monthly disbursement
- Outstanding principle owed will increase each year
- No monthly mortgage payment
- Improve the interest rate compared to your prior loan
- Higher interest rate
- 203k Loan options available
- New home construction
- Construction only loans available
- Construction to permanent available
- 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
- Finance a home improvement or an educational advance
- Interest paid on these loans may be tax deductible
- Very few lenders are offering Second Mortgages
- Fixed rate term of either 15 or 30 years
- Only available in specified low-density population areas
- Restricts the borrower from owning another property
- 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
- 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
- Over 90% of owner-occupied homes qualify
- First-time and move-up homebuyers are eligible
- Single-family, condos, investment, second-homes
- 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 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
- 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
