Program Name	Rate	APR	Points	Payment
15 Year Fixed (Conforming)	7.250%	7.443%	0.250%	$3,195.02
30 Year Fixed (Conforming)	7.375%	7.471%	0.000%	$2,417.36
30 Year FHA	7.125%	7.771%	0.250%	$2,358.01
30 Year VA	7.375%	7.665%	0.125%	$2,417.36
30 Year USDA Rural Home Purchase	7.750%	8.175%	0.125%	$2,507.44
Zero Down 20 Year Fixed	7.250%	7.342%	0.125%	$2,766.32
Educator 100% 30 Year Fixed	8.750%	8.855%	0.375%	$2,753.45

The rates listed above are for a purchase loan amount of $350,000 and assume a 740+ credit score. Please reach out to a Mortgage Loan Officer for a specific rate quote.  Refinance Rates can be higher than what is listed here.

Rates good as of 9/27/2023 and are subject to change without notice. Rates may vary depending on each individual’s credit history and underwriting factors. All loan applications are subject to credit and property approval.

Payments shown are Principle and Interest Only and do not include any required mortgage insurance or any financed fees for government loans which may increase the mortgage balance and payments. 

The APR for 30-Year FHA includes the Upfront Mortgage Insurance Premium of 1.75% of the balance. The APR for the 30-Year VA includes an estimated funding fee of 2.15%. The APR for the 30-Year USDA includes the guaranteed fee of 1%. 

Zero Down
New purchase only. Maximum loan amount is based on FHA loan limits (ex. Maximum in Marion County is $483,000) . Property must be a single-family residence and located in Oregon. Mortgage Insurance and Escrow are required. Minimum contribution to cover fees and the appraisal must be the greater of $1000 or 1% of the purchase price.
 
Educator 100%
New purchase only. Maximum loan amount is based on FHA loan limits  (ex. Maximum in Marion County is $483,000). Property must be a single-family residence and located in Oregon. Escrow is required. Loan-to-Value may not exceed 100 percent. Borrower responsible for appraisal and closing costs. 15-year and 30-year term available.