Traditional, conforming loan programs that require fair to good credit and documentation. Fixed rate mortgages are available for 15, 20 and 30 year terms. These loans do not have pre-payment penalties.

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 loans do not have pre-payment penalties.

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 fluctuating 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 small 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).

Provides financing for multi-family properties with 5 or more units that will be for investment purposes.