Oregon Mortgage Rates January 2019

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
 
30 yr fixed mtg refi Mortgage Loan from People's Bank of Commerce
People's Bank of Commerce
300000
Refinance
4.808
4.750
USD
People's Bank of Commerce
4.808%
1/17/2019
4.750%
at 0.250 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,267
 
 
30 yr fixed mtg refi Mortgage Loan from Union Bank
Union Bank
300000
Refinance
4.669
4.625
USD
Union Bank
4.669%
1/16/2019
4.625%
at 0.250 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $771
 
 
30 yr fixed mtg refi Mortgage Loan from Oregon Pacific Bank
Oregon Pacific Bank
300000
Refinance
4.529
4.375
USD
Oregon Pacific Bank
4.529%
1/17/2019
4.375%
at 1.500 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $899
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.926
4.875
USD
Citizens Bank, NA
4.926%
1/18/2019
4.875%
at 0.250 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.452
4.375
USD
Bank of America
4.452%
1/22/2019
4.375%
at 0.514 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,166
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
4.898
4.875
USD
Bank of the West
4.898%
1/22/2019
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.406
4.375
USD
LincolnWay Community Bank
4.406%
1/22/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,085
 
 

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.


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