oregon home loans

Lumen Mortgage offers a complete array of modern home loan solutions for all your Oregon mortgage pre-approval, purchase and refinance needs.

Helping you obtain the right home loan is our primary concern. View our live Home Loan Calculator to check current rate options for Conventional and Jumbo loans.

Conventional Mortgage Loans

  • Online pricing allows you to view our competitive Conventional mortgage pricing anytime, anywhere. View today’s Conventional Oregon Mortgage Rates
  • Low down-payment options allow for as little as 1% down for qualified first-time Oregon homebuyers
  • Flexible mortgage insurance (MI) options for those putting less than 20% down: Lender Paid Mortgage Insurance (LPMI) and Reduced MI Coverages for those who qualify for Conventional HomeReady® and Home Possible® mortgage loan options

LUX Jumbo Mortgage Loans℠

  • Premier pricing for high balance mortgages loans, over the maximum Conventional Oregon loan limits (determined by: Fannie Mae & Freddie Mac)
  • Flexible use allows for Jumbo financing of primary residences, second homes and investment properties
  • Jumbo loan amounts up to $2,000,000 and Super-Jumbo loans up to $10,000,000 (additional terms and conditions do apply) for pricing and to learn more about our LUX Jumbo Mortgage Loans℠ in Oregon, please contact us.

FHA Mortgages Loans

  • Premier pricing means increased purchase power for Oregon homebuyers looking for a low down-payment mortgage option (only 3.5% down required for qualified applicants)
  • Flexible credit standards allow borrowers with recent negative credit events to qualify for mortgage financing sooner than standard Conventional mortgage requirements
  • Fixed and adjustable terms allow you to select a mortgage term that meets your specific time and budget needs

VA Veteran Mortgage Loans

  • 100% financing, a zero-down option for Oregon borrowers that have qualifying VA Home Loan benefits and eligibility
  • Flexible credit standards allow Oregon veterans with a wide range of credit profiles to qualify for financing
  • Reduced finance charges limit the closing costs that can be charged in association with VA mortgage loans

USDA Guaranteed Rural Housing Mortgage Loans 

  • Rural Development loans are a great option for Oregon borrowers looking for 100% financing in eligible areas
  • Fixed terms offer secure fixed interest rates that you can count on for the entire life of your mortgage loan
  • Competitive pricing allows rural homebuyers and homeowners to take advantage of a no-down option without sacrificing a chance to lock-in historically low rates

To learn more about Oregon mortgage home loan options, please contact us.

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