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Mortgage Calculator / Mortgage Rates / Oregon Mortgage Rates
Last updated: Oct 18, 2021
3.130% APR 30 Year Fixed
$1,053 / month
Rate: 2.990%
Fees: $4,520
Lock: 45 days
Points: 1.808
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3.070% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $6,336
Lock: 30 days
Points: 1.883
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2.746% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $3,962
Lock: 30 days
Points: 1.585
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2.770% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,758
Lock: 30 days
Points: 1.625
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2.863% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $3,680
Lock: 30 days
Points: 1.472
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3.544% APR 30 Year Fixed
$1,106 / month
Rate: 3.375%
Fees: $5,312
Lock: 30 days
Points: 1.625
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2.749% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,062
Lock: 30 days
Points: 1.625
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2.848% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $3,188
Lock: 45 days
Points: 1.275
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2.899% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $4,870
Lock: 30 days
Points: 1.548
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3.174% APR 30 Year Fixed
$1,055 / month
Rate: 3.000%
Fees: $5,588
Lock: 45 days
Points: 1.895
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3.130% APR 30 Year Fixed
$1,053 / month
Rate: 2.990%
Fees: $4,520
Lock: 45 days
Points: 1.808
View Details
3.408% APR 30 Year Fixed
$1,089 / month
Rate: 3.250%
Fees: $5,000
Lock: 30 days
Points: 1.500
View Details
2.651% APR 30 Year Fixed
$988 / month
Rate: 2.500%
Fees: $5,000
Lock: 30 days
Points: 2.000
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3.126% APR 30 Year Fixed
$1,053 / month
Rate: 2.990%
Fees: $4,375
Lock: 30 days
Points: 1.750
View Details
2.746% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $3,962
Lock: 30 days
Points: 1.585
View Details
2.754% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,240
Lock: 30 days
Points: 1.696
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3.029% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $4,990
Lock: 45 days
Points: 1.996
View Details
3.156% APR 30 Year Fixed
$1,055 / month
Rate: 3.000%
Fees: $5,001
Lock: 30 days
Points: 2.000
View Details
2.801% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $5,770
Lock: 30 days
Points: 1.910
View Details
2.768% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,688
Lock: 30 days
Points: 1.495
View Details
3.070% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $6,336
Lock: 30 days
Points: 1.883
View Details
2.889% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $4,548
Lock: 45 days
Points: 1.619
View Details
2.756% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,312
Lock: 30 days
Points: 1.725
View Details
3.138% APR 30 Year Fixed
$1,053 / month
Rate: 2.990%
Fees: $4,748
Lock: 30 days
Points: 1.899
View Details
2.887% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $4,458
Lock: 30 days
Points: 1.783
View Details
3.177% APR 30 Year Fixed
$1,058 / month
Rate: 3.025%
Fees: $4,890
Lock: 60 days
Points: 1.956
View Details
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Oregon Mortgage Overview

Oregon has become more popular in recent years with a 10 percent increase in population from 2019-2020. As of the latest census tract, 4.2 million people are living in Oregon and the average home price is around $312,000.

Oregon has plenty of home loan options, especially for first-time homebuyers. Here are your basic loan options.

Oregon conventional loans

Good credit borrowers with at least a 660 credit score, may get a conventional loan. Conventional loans require first-time homebuyers to put down 3 percent down and subsequent buyers 5 percent down. Borrowers should have around a 36 percent debt ratio. Borrowers pay mortgage insurance just until they owe less than 80 percent of the home's value.

Oregon FHA loans

Borrowers with average or worse than average credit may qualify for an FHA loan. You need just a 580 credit score and 3.5 percent down. Your down payment can be gift funds or down payment assistance. The FHA allows lower credit scores too but with a 10 percent down payment. At least 3.5 percent of the down payment must be your own funds.

Oregon VA loans

Veterans of the military or current members may secure 100 financing from a VA loan from an Oregon VA lender. You need a 620 credit score proof of income that shows you can afford the loan and daily cost of living costs. VA loans have disposable income requirements that vary by county. VA loans don't have mortgage insurance requirements, but there is an upfront funding fee.

Oregon USDA loans

If rural living is up your alley, check out the USDA loan. If your household income is less than 115 percent of the median income for your area, and you have a 640 credit score, you may qualify. USDA loans have low interest rates and closing costs. You'll pay mortgage insurance for the life of the loan, but the rates are low, and you don't need a down payment, so it offsets the costs.

First-Time Homebuyer Programs in Oregon

Oregon Bond Residential Loan Program

The Oregon Bond Residential Loan Program has two options:

Cash Advantage

You'll receive 3% of your loan amount for closing costs. You must still contribute 3.5 percent for the FHA down payment, but the assistance pays your closing costs.

Rate Advantage

You pay the closing costs but secure a lower interest rate allowing you to maximize savings over the life of the loan

Down Payment Assistance

You may secure up to $15,000 in down payment assistance. You must live in specific counties and meet that county's requirements to qualify.

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