Traditional, conforming loan programs that require fair to good credit and documentation. Fixed rate mortgages are available for 15, 20, 30 and 40 year terms.

These loans have a fixed interest rate and principal and interest payment for a specific period of time, such as 5 years. After that fixed period the interest rate adjusts yearly. 

These are mortgages with loan amounts above the conventional conforming loan limit.  Fixed rate as well as adjustable rate terms are available.

We offer all-in-one construction to permanent financing.

Subordinate to the first mortgage. Second mortgages can be a fixed rate loan or a line of credit with a rate that adjusts and is tied to the prime rate.

ODVA offers a state veterans' home loan (ORVET) that is an additional and distinctively separate benefit from the USDVA (Federal VA) Home Loan Guaranty Program. The purpose of ORVET is to provide low interest rate home loans to qualified eligible veterans for the purchase or refinance of an owner-occupied, single family, primary residence within the State of Oregon.

VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home which must be for their own personal occupancy. It is usually possible for qualified veterans to obtain no down payment financing.

There is a broad range of financing options available for commercial real estate, such as multi-use, office space, industrial, retail and mezzanine. We also have the ability to provide financing through the SBA (Small Business Administration). SBA loans are for business acquisitions of owner occupied properties.

Provides financing for 1-4 unit multi-family properties that will be for investment purposes.

Loans for properties that are located in designated rural areas and are directly funded by USDA Rural Development. These loans are available for low- and very low-income households to obtain homeownership or repair their existing, owner occupied home.  Applicants wishing to purchase in a rural area may qualify for 100% financing to purchase an existing dwelling, purchase a site and have a dwelling constructed, purchase a newly constructed dwelling or build their home through the mutual self help program. Follow the link below to determine if your property is located in a designated rural area: http://www.rurdev.usda.gov/or/RH-sub/RH-Rural-02-21-06.pdf.

Available in first or second position. Adjustable rate, however, many offer a fixed rate option.