Oregon · Licensed statewide
Oregon: city neighborhoods, valley towns and high-desert living
Portland and Mount HoodPhoto: Truflip99, CC BY-SA 4.0
Where people live in Oregon
Three very different Oregons
Rainy, green and urban on the west side; sunny and wide open east of the Cascades; and a river valley of farms and small cities in between. Each region has its own housing character.
Portland metro
Portland, Lake Oswego, Beaverton and Hillsboro
Early-1900s bungalows and view homes in Portland, lakeside and hillside living in Lake Oswego, and the west-side suburbs of Beaverton and Hillsboro with their technology campuses and MAX light rail. Older housing stock, strong neighborhoods and a property tax system (Measure 50) that rewards knowing the details.
Willamette Valley
Salem and the valley
The state capital and the center of Oregon's agricultural heartland, with Keizer, Silverton and Stayton nearby and vineyards on the hills. Prices sit well below Portland, and the rural edges keep zero-down USDA financing within reach for many buyers.
Central Oregon
Bend and the high desert
Three hundred days of sun, Mt. Bachelor, the Deschutes River and a trail network at the edge of town. Bend draws full-time movers and second-home buyers alike, with newer neighborhoods, short-term rental rules and wildfire insurance questions that are part of buying here.
Statewide
The coast, the Gorge and beyond
From the Oregon Coast to the Columbia River Gorge and the eastern counties, Frank serves Oregon clients wherever they buy, by phone, email and a secure online application, with the same Status Updates at every milestone.
Financing in Oregon
Licensed in Washington, Oregon, and Idaho, helping homebuyers and homeowners explore financing for a wide range of loan programs and scenarios.
Wherever you are buying or refinancing in Oregon, Frank compares options from 35+ wholesale lenders competing for your loan and walks you through them. Program details live on one page so they are always current.
Oregon community guides
Get a feel for each area, what living there is like, and what to know before you buy. Frank is ready to help with financing whenever you are.
- Portland Mortgage BrokerBuying or refinancing in Portland: how Oregon's Measure 50 keeps assessed value below market value, Portland Housing Bureau down payment assistance, no transfer tax in Multnomah County, and how an independent broker compares lenders for you.
- Lake Oswego Mortgage BrokerFinancing a home in Lake Oswego and Clackamas County: jumbo vs. conforming at the $832,750 limit, lake easement and HOA questions, move-up buyers using sale proceeds, and the Vantage Mortgage Brokers office on Pilkington Road.
- Beaverton Mortgage BrokerBuying or refinancing in Beaverton: Washington County's $1 per $1,000 transfer tax (the only one in Oregon), qualifying on tech salaries with RSUs and bonuses, condos and townhomes, and how an independent broker compares lenders for you.
- Hillsboro Mortgage BrokerFinancing a home in Hillsboro: new construction and builder incentives vs. an independent broker's pricing, the Washington County transfer tax at recording, relocation buyers on new jobs, and rate buydowns paid by builders.
- Bend Mortgage BrokerFinancing in Bend and Deschutes County: second home vs. investment occupancy, short-term rental permits and DSCR loans, wildfire insurance availability, winter appraisal timing, and how an independent broker compares lenders.
- Salem Mortgage BrokerBuying a home in Salem and Marion County: state and public employee income, USDA zero-down eligibility just outside the city, FHA and conventional low down payment options, Oregon Bond assistance, and how a broker compares lenders.
Good to know when you buy in Oregon
- Transfer tax
- Oregon prohibits new real estate transfer taxes statewide; Washington County, which predates the ban, charges a small county transfer tax at sale. Elsewhere in Oregon there is none.
- Down payment assistance
- Oregon Housing and Community Services administers the Oregon Bond Residential Loan program and down payment assistance through approved lenders, within income and price limits.
- Licensing
- Oregon individual license display for Frank is pending confirmation with Vantage; the company license is ML-4611 and Frank's NMLS number is 128726.
- Measure 50 property taxes
- An existing home's assessed value can grow at most 3% a year and does not reset when it sells, so long-held homes often carry taxes well below what the price suggests. New construction is assessed near market. Use the county tax statement, not a percentage.
Watch
Vantage Shops For You
Thirty-seven seconds on what a broker does differently.
Watch on its own pageOregon questions
Is Frank licensed in Oregon?
Yes. Frank originates in Oregon through Vantage Mortgage Group, Inc. (Oregon License #ML-4611), based in Lake Oswego. His individual NMLS number is 128726.
Which loan programs are available in Oregon?
Conventional, VA, FHA, USDA, Jumbo, DSCR, Non-QM and Renovation loans, plus manufactured homes, second homes and investment properties, all explained on the loan programs page. The list is the same in Washington and Idaho.
Does Oregon have a real estate transfer tax?
Only Washington County charges one. The rest of the state has none.
Will Frank meet in person in Oregon?
Most of Frank's work happens by phone, email and secure online application, with detailed Status Updates. Vantage's Lake Oswego office is available when an in-person meeting helps.
What clients say about working with Frank
“Frank and his team were responsive, professional yet friendly, and quite knowledgeable. Frank gave us options for our mortgage that we didn't know we had. Our loan process was so easy with Frank and his team!”
“We have worked with Frank for years. We continue to work with Frank and his team of specialists because they are thorough, efficient and professional.”
State notes are general education, not tax or legal advice, and not a commitment to lend. Verify license numbers on NMLS Consumer Access.
Sources
- Oregon Division of Financial Regulation: Mortgage lending (opens in a new tab)
- Washington County, Oregon Assessment & Taxation: Transfer tax and exemptions (opens in a new tab)
- Oregon Housing and Community Services: Homebuyer programs (Oregon Bond Residential Loan) (opens in a new tab)
- Oregon Department of Revenue: Maximum Assessed Value Manual (Measure 50) (opens in a new tab)
- FHFA: Conforming loan limit values (opens in a new tab)
- CFPB: Buying a house, step by step (opens in a new tab)
Thinking about making Oregon home?
Thinking about making this community home? I can help you understand your financing options and build a mortgage plan around your goals.