Oregon Mortgage Advisor
Pacific Northwest financing, considered.
Portland, Bend, Eugene, the Willamette Valley — Eddy structures financing across Oregon's distinctive markets, from urban condos to mountain estates and wine-country properties.
$832,750
2026 conforming limit
0.93%
OR property tax (avg)
1.5%
Measure 5 cap
$485k
Median home price
Portland metro jumbo
Jumbo programs across Portland, Lake Oswego, West Hills. Tech, healthcare, and equity-compensation income structures handled with precision.
Bend & Central Oregon
Second-home and STR investor programs across Bend, Sunriver, and Sisters. DSCR allows qualification on rental cash flow alone.
Wine country & rural
Willamette Valley vineyard properties, hobby farms, and rural acreage — including USDA rural development financing where eligible.
Oregon property tax basics
Measure 5 caps general government taxes at 1.5% of real market value. Eddy models your Multnomah, Washington, or Deschutes County escrow accurately.
Cities served
Portland · Bend · Eugene · Salem · Beaverton · Hillsboro · Lake Oswego · Ashland
Frequently asked
What's the conforming loan limit in Oregon?+
The 2026 baseline conforming limit is $832,750 for a 1-unit property. Oregon has no high-cost counties, so the same limit applies statewide.
How does Oregon Measure 5 affect my mortgage?+
Measure 5 caps general government property taxes at 1.5% of real market value. Combined with Measure 50's assessed-value limits, Oregon escrow tends to be predictable year over year.
Can I finance a vacation rental in Bend or Sunriver?+
Yes — Non-QM DSCR programs allow qualification on the property's projected rental income, no personal income docs required. AirDNA data accepted for new STR purchases.
Are USDA rural loans available in Oregon?+
Yes — many areas outside the Portland and Eugene metros qualify for USDA Rural Development financing with zero down payment for eligible borrowers.