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
 
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,604
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $550
Thank you for your inquiry, we will be in touch shortly. 
 
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,598
Thank you for your inquiry, we will be in touch shortly. 
 
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
 
 
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
 
 
at 0.000 pts
45 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # ML-3443
(877) 210-6855
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. 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # ML-3443
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $1,356
Thank you for your inquiry, we will be in touch shortly. 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # ML-3443
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $481
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: $2,615
 
 
Pinnacle Mortgage Solutions Inc Logo
NMLS # 1188467
State Lic # ML-5312
(877) 216-3482
at 0.000 pts
46 day lock rate
Est payment: $912.10
Fees in APR: $885
 
 
Watermark Home Loans Logo
NMLS # 1838
State Lic # ML-4043
(877) 526-4069
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $72
Watermark Home Loans is a BBB A+ rated Direct Lender. 
 
at 0.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,462
Thank you for your inquiry! 
 
at 0.000 pts
45 day lock rate
Est payment: $912.10
Fees in APR: $995
The direct lender to call for great rates and superior service. 
 
Vantage Mortgage Group Logo
NMLS # 35986
State Lic # ML-4611
(877) 328-4309
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $815
 
 
Lenda, Inc. Logo
NMLS # 991397
State Lic # ML-5330
at 0.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: None
All online. No annoying phone calls. No paper. No hassles. 
 
Flagstar Bank Logo
NMLS # 417490
(877) 808-7051
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $744
Thank you for your inquiry! 
 
Sammamish Mortgage Logo
NMLS # 118653
(877) 345-4860
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $795
 
 
Accelin Loans LLC Logo
NMLS # 1574660/1627833
State Lic # ML-5526-1
(877) 675-1912
at 0.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $799
 
 
at 0.000 pts
30 day lock rate
Est payment: $1,199.10
Fees in APR: None
 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $356
Thank you for your inquiry! 
 
at 0.000 pts
45 day lock rate
Est payment: $931.91
Fees in APR: $1,136
Thank you for your inquiry! We look forward to working with you. 
 
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $870
 
 
Willamette Falls Financial Logo
NMLS # 264970
State Lic # ML-3866
(877) 859-1431
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $585
 
 
Sammamish Mortgage Logo
NMLS # 118653
(877) 345-4860
at 1.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $795
 
 
at 0.100 pts
45 day lock rate
Est payment: $917.74
Fees in APR: $2,718
Thank you for your inquiry! We look forward to working with you. 
 
Lenda, Inc. Logo
NMLS # 991397
State Lic # ML-5330
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,648
All online. No annoying phone calls. No paper. No hassles. 
 
Vantage Mortgage Group Logo
NMLS # 35986
State Lic # ML-4611
(877) 328-4309
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,799
 
 
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,452
Thank you for your inquiry! 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,556
Thank you for your inquiry! 
 
Willamette Falls Financial Logo
NMLS # 264970
State Lic # ML-3866
(877) 859-1431
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,885
 
 
Vantage Mortgage Group Logo
NMLS # 35986
State Lic # ML-4611
(877) 328-4309
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,229
 
 
Sammamish Mortgage Logo
NMLS # 118653
(877) 345-4860
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $795
 
 
Lenda, Inc. Logo
NMLS # 991397
State Lic # ML-5330
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,776
All online. No annoying phone calls. No paper. No hassles. 
 
Willamette Falls Financial Logo
NMLS # 264970
State Lic # ML-3866
(877) 859-1431
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $1,385
 
 
at 1.100 pts
45 day lock rate
Est payment: $914.92
Fees in APR: $1,066
Thank you for your inquiry! We look forward to working with you. 
 
Bank of America
4.126%
10/10/2017
4.000%
at 0.922 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $1,166
 
 
Bank of the West
4.169%
10/10/2017
4.125%
at 0.125 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $793
 
 
First Citizens Bank
4.256%
10/9/2017
4.125%
at 1.130 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $842
 
 
LincolnWay Community Bank
3.920%
10/10/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 
Citizens Bank, NA
4.177%
10/13/2017
4.125%
at 0.125 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $998
 
 
Oregon Pacific Bank
3.912%
10/12/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $899
 
 
People's Bank of Commerce
3.948%
10/12/2017
3.875%
at 0.250 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,267
 
 
Union Bank
4.053%
10/11/2017
4.000%
at 0.250 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $771
 
 
IAB Financial Bank
4.285%
10/11/2017
4.250%
at 0.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $828
 
 

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