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Oregon Mortgage Lenders and Rates (OR)

Everyone should be aware that finding the right mortgage and rate in Oregon can save thousands of dollars. Mortgage-Info.us was created with that goal in mind. If you are looking for Lenders, Mortgage Rates, or Mortgage Brokers – we’ve got it. When you fill out our mortgage quote form, you’ll get offers from 2-4 different lenders, so they’ll be competing for your loan, saving you money.

Request a free online Oregon Mortgage Quote>>

Featured Mortgage Lenders in Oregon

• CitiMortgage
• Eloan
• Countrywide
• Indymac Bank

Oregon Mortgage Quick Facts

Oregon State Population: 3,421,399*
Median Oregon Home Price: $152,100*
Total Oregon Housing Units: 1,495,582*
House Ownership Rate in Oregon: 64.3%*

Types of Mortgage Loans Available in Oregon

• Fixed Rate Mortgage Loan
• Adjustable Rate Mortgage Loan
• Interest Only Mortgage Loan
• LIBOR Mortgage Loan
• Cash Out Mortgage Loan
• Refinance Mortgage Loan
• Second Mortgage Loan
• Home Purchase Mortgage Loan
• Home Equity Loan
• Reverse Mortgage Loan
• HELOC Mortgage Loan
• Special Mortgage Loan

How Your Credit Score Affects Your Mortgage Rate

To start with, you'll need to know what your current credit score is. You should compare that against the average Oregon consumer credit score of 687,aAnd the national average credit score of 677. Your credit score impacts what your home mortgage rate will be. Historically home mortgage rates have varied from 5% to over 13%. Lenders create their home mortgage rates by using the Federal Discount Interest Rate and then increase it by using an internal formula to create their own home mortgage rate. When you apply for a home mortgage, your home mortgage rate will be determined by a whole host of factors, but your credit score is always important factors.

Oregon Mortgage State Laws:

Mortgage Laws Governed

State Statutory, Chapter 59, Securities Regulation; Mortgage Bankers and Brokers

Foreclosure

Oregon offers foreclosures judicially and non-judicially. The notice of sale must be published in the county newspaper once a week for four weeks prior to the foreclosure sale. Letters will be sent to the mortgagors, notifying them of the proceedings, at least 120 days before the sale date. The property will be sold by public auction, and to the highest bidder. The property will not be sold for less than two thirds of the appraisal value. The occupant must leave the property within ten days after its foreclosure sale. The borrower may retrieve the property within one hundred and eighty days after the sale if he/she can pay the purchase price with interest, the foreclosure costs, and the purchaser’s expenses from maintaining the property.

OR Mortgage Fraud Office
White Collar Crime Supervisor
http://portland.fbi.gov/
Crown Plaza Building, Suite 400
1500 SW 1st Avenue
Portland, OR 97201-5828
Phone: (503) 224-4181

Oregon Counties:

Baker County, Benton County, Clackamas County, Clatsop County, Columbia County, Coos County, Crook County, Curry County, Deschutes County, Douglas County, Gilliam County, Grant County, Harney County, Hood River County, Jackson County, Jefferson County, Josephine County, Klamath County, Lake County, Lane County, Lincoln County, Linn County, Malheur County, Marion County, Morrow County, Multnomah County, Polk County, Sherman County, Tillamook County, Umatilla County, Union County, Wallowa County, Wasco County, Washington County, Wheeler County, Yamhill County

*Source
-US Census

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