Oregon Mortgage Rates and Refinance Rates

Oregon Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Oregon. Our rate table has a list of Oregon mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Oregon you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Oregon include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Oregon listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 97303, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
eRates Mortgage Logo
NMLS # 1071
State Lic # ML-3443
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Vantage Mortgage Group Logo
NMLS # 35986
State Lic # ML-4611
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,927
 
 
First Mortgage Direct Logo
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $361
 
 
e-Lend Logo
NMLS # 2826
State Lic # ML-4801
(877) 410-5082
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,378
 
 
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $2,147
 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-5201
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,996
Thank you for your inquiry, we will be in touch shortly. 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # ML-5358
(877) 730-0181
at 1.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,300
 
 
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $896.97
Fees in APR: $2,954
Thanks for the inquiry! 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 1.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,500
 
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-5201
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,514
Thank you for your inquiry, we will be in touch shortly. 
 
First Mortgage Direct Logo
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
JG Wentworth Home Lending Logo
NMLS # ML-5008
State Lic # ML-5008
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # ML-3443
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
e-Lend Logo
NMLS # 2826
State Lic # ML-4801
(877) 410-5082
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
Citibank, N. A. Logo
NMLS # 412915
(877) 693-8156
at 0.000 pts
60 day lock rate
Est payment: $998.57
Fees in APR: $1,555
 
 
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $925.10
Fees in APR: None
Thanks for the inquiry! 
 
Vantage Mortgage Group Logo
NMLS # 35986
State Lic # ML-4611
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # ML-5358
(877) 730-0181
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,103
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,856
 
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $3,932
 
 
Vantage Mortgage Group Logo
NMLS # 35986
State Lic # ML-4611
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,997
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # ML-3443
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-5201
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,324
Thank you for your inquiry, we will be in touch shortly. 
 
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,702
Thanks for the inquiry! 
 
First Internet Bank Logo
NMLS # 424182
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $423
Thank you for your inquiry! 
 
First Internet Bank Logo
NMLS # 424182
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,488
Thank you for your inquiry! 
 
Cascade Mortgage Company Logo
NMLS # 222116
State Lic # ML-20
(877) 591-6590
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $365
 
 
Sammamish Mortgage Logo
NMLS # 118653
(877) 345-4860
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $795
 
 
Better Mortgage Inc Logo
NMLS # 330511
State Lic # ML-5310
(877) 699-1832
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $918
Thank you for your quote. 
 
Willamette Falls Financial Logo
NMLS # 264970
State Lic # ML-3866
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $865
 
 
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $94
Thank you for your inquiry! 
 
Lenda, Inc. Logo
NMLS # 991397
State Lic # ML-5330
at 0.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $286
All online. No annoying phone calls. No paper. No hassles. 
 
Accelin Loans LLC Logo
NMLS # 1574660/1627833
State Lic # ML-5526-1
(877) 853-9103
at 0.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,199
 
 
Willamette Falls Financial Logo
NMLS # 264970
State Lic # ML-3866
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,103
 
 
Lenda, Inc. Logo
NMLS # 991397
State Lic # ML-5330
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $2,122
All online. No annoying phone calls. No paper. No hassles. 
 
Sammamish Mortgage Logo
NMLS # 118653
(877) 345-4860
at 1.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $795
 
 
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $2,768
Thank you for your inquiry! 
 
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $812
Thank you for your inquiry! 
 
Sammamish Mortgage Logo
NMLS # 118653
(877) 345-4860
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $795
 
 
Willamette Falls Financial Logo
NMLS # 264970
State Lic # ML-3866
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,373
 
 
Lenda, Inc. Logo
NMLS # 991397
State Lic # ML-5330
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,060
All online. No annoying phone calls. No paper. No hassles. 
 
Bank of America
4.231%
12/12/2017
4.125%
at 0.680 pts
45 day lock rate
Est payment: $969.30
Fees in APR: $1,166
 
 
LincolnWay Community Bank
3.920%
12/12/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 
Bank of the West
4.294%
12/12/2017
4.250%
at 0.125 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $793
 
 
Oregon Pacific Bank
4.027%
12/14/2017
3.990%
at 0.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $899
 
 
Citizens Bank, NA
4.292%
12/15/2017
4.250%
at 0.000 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $998
 
 
People's Bank of Commerce
4.074%
12/14/2017
4.000%
at 0.250 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $1,267
 
 
Union Bank
4.063%
12/13/2017
4.000%
at 0.375 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $771
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Oregon Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Oregon. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Oregon mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Oregon mortgage loans that have been made. As a result, Oregon mortgage rates today are lower than jumbo interest rates in Oregon. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Oregon Super Conforming Home Loan Rates

Super conforming mortgages in Oregon are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Oregon Jumbo Loan Interest Rates

Oregon jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Oregon are usually 0.75 basis points higher than conforming mortgage rates in Oregon because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Oregon Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Oregon. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Oregon Adjustable Interest Rates

Oregon adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Oregon Interest Only Home Mortgage Rates

Oregon interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Oregon FHA Mortgage Mortgage Rates

Borrowers in Oregon must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Oregon are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Oregon Rates & Resources


Cities in Oregon