Need a trusted lender in Oregon? AD Mortgage is a broker-voted top lender that has more than 20 years of experience in the industry and offers partners a wide range of flexible mortgage programs.
AD Mortgage supports Oregon mortgage brokers with flexible wholesale loan programs and responsive scenario assistance.
As of July 31, 2026, the average Oregon home value was $502,156, down 0.3% over the previous year, according to Zillow. However, from the Portland metro area to Salem, Eugene, Bend, and communities across the coast, housing prices vary significantly.
Borrowers are equally diverse, ranging from first-time buyers entering competitive markets to self-employed professionals, real estate investors, and clients seeking non-standard lending solutions.
AD Mortgage supports Oregon mortgage brokers statewide with a broad portfolio of loan solutions designed to help address these different borrower needs.
Flexible financing options, competitive terms, and fast turnaround times – mortgage loan programs from AD Mortgage help Oregon mortgage brokers serve their clients efficiently.
An affordable financing option with standard requirements
Qualify homebuyers with limited down payment capabilities
A loan solution for veterans, active-duty service members, and their eligible surviving spouses
Get 50 bps with all Rate Buydowns. Add flexibility with Lender-Paid or Seller-Paid options.
Choose from 1-0, 1-1, 2-1, and 3-2-1 options to help borrowers lower their initial monthly payments.
For primary residences and 2nd homes on 30-Year Fixed Super Prime, Prime, and Fixed Conventional. 
Oregon property taxes vary by county and local taxing jurisdiction. A property’s assessed value may differ from its market value, meaning tax obligations are not based solely on the home’s current purchase price or market conditions.
Annual property taxes can vary depending on the property’s location, assessed value, local tax rates, exemptions, and other factors.
Closing costs for an Oregon home purchase or refinance can vary depending on the loan type, lender, property, and transaction structure. Common costs may include:
Oregon borrowers may also have access to homeownership and down payment assistance programs through Oregon Housing and Community Services (OHCS), including:
Disclaimer: Mortgage rates, program availability, property taxes, and closing costs are subject to program requirements and availability. This information is provided for general educational purposes only and is not intended as legal, tax, or financial advice.
24/7 Support for Oregon Loan Workflows
The First Integrated Non-QM AUS in Mortgage History
Your Go-to Source for Navigating AD Products and Tools
Streamline the Process with Rapid, State-compliant Initial Disclosure
Perfect for W-2 and Self-employed Borrowers
Earn and Redeem Points for Benefits
A Free Platform to Help You Become an Industry Leader
An Oregon loan calculator to estimate payments with ease
Receive a tailored loan solution in 30 minutes
READY TO CONNECT?
How Do I Choose a Mortgage Lender in Oregon?
The lender should have proper licensing – for example, AD Mortgage is licensed in Oregon and coast to coast. For brokers, the right lender combines competitive rates and fees, strong product fit, and expertise with complex borrower scenarios. Turn times, responsive support, and technology also play an important role when choosing a lending partner.
Who is the Easiest Lender to Get a Mortgage From?
There is no single ‘easiest’ lender to get a mortgage from. Approval depends on the borrower’s credit profile, income, assets, debt-to-income ratio, and property type, as well as the lender’s guidelines and the specific loan program requirements.
Is It Cheaper to Go Through a Mortgage Broker or a Bank?
It depends on the borrower and the loan offer. A mortgage broker can compare options from multiple lenders, while a bank may offer direct lending and relationship-based benefits. The best choice is the one with the strongest overall fit, not simply the lowest advertised rate.
Does AD Mortgage Work with Mortgage Brokers in Oregon?
Yes. AD Mortgage is a licensed wholesale lender that works with mortgage brokers across all regions of Oregon and from coast to coast.
Does AD Mortgage Offer Non-QM Loans in Oregon?
Yes. AD Mortgage is a top-Non-QM Wholesale lender, according to the Scotsman Guide. Visit our Non-QM program page to explore the solutions we offer.
How Do I Submit an Oregon Scenario to AD Mortgage?
Fill out this form, and our managers will contact you within 30 minutes with a mortgage solution tailored to your client’s needs.
How Much Do You Need to Make to Afford a $500,000 House in Oregon?
There is no single income requirement for a $500,000 home. Affordability depends on factors such as down payment, mortgage rate, property taxes, and loan terms. Submit a Scenario Request to determine the best-fit loan option based on your client’s financial situation.
Can I Afford a $300K House on a $50K Salary?
It may be possible, but affordability depends on more than salary alone. A lender will review the borrower’s monthly debts, credit profile, down payment, interest rate, and the full estimated housing payment. A larger down payment, lower debt-to-income ratio, or a more affordable loan program may improve purchasing power.
How Much House Can I Afford If I Make $70,000 a Year?
The amount of home the borrower can afford on a $70,000 annual income depends on their monthly debts, credit profile, down payment, interest rate, property taxes, and loan program. Submit a Scenario Request to explore the terms and loan options the borrower may be eligible for.
Does Oregon Use Mortgages or Deeds of Trust?
Oregon primarily uses deeds of trust for real estate loans, though mortgages are also recognized under state law. Both options secure the loan with the property.
Are VA Loans Available in Oregon?
Yes. AD Mortgage offers VA loan programs to eligible Oregon borrowers. VA Standard program offers loan amounts up to $2 million, no down payment requirement for eligible borrowers, and a minimum FICO score of 580.
What Credit Score Do You Need to Buy a House in Oregon?
Credit-score requirements vary by loan program, underwriting findings, and borrower profile. Some AD Mortgage FHA and VA options may accept eligible borrowers with FICO scores as low as 580, while Conventional and Non-QM requirements vary by program.
Can You Buy a House in Oregon Without 20% Down?
Oregon borrowers may qualify to buy a home with less than 20% down through Conventional, FHA, VA, and other eligible loan programs. Qualified buyers may also have access to Oregon down payment assistance programs.
Can Investors Get DSCR Loans in Oregon?
Yes. AD Mortgage offers Oregon real estate investors DSCR loan options that use qualifying property cash flow rather than traditional personal-income documentation.
Can Self-Employed Borrowers Get a Mortgage in Oregon?
Self-employed borrowers in Oregon may be eligible for a mortgage using alternative income documentation, such as bank statements, 1099s, profit-and-loss statements, or asset-utilization calculations. Submit a Scenario Request to explore your client’s eligibility and available loan options.
Is AD Mortgage Licensed in Oregon?
Yes. AD Mortgage is a licensed wholesale lender, operating in Oregon and coast to coast.
What Oregon Cities Does AD Mortgage Serve?
We work with mortgage brokers across all regions of Oregon. Submit a Scenario Request to receive the best-fit mortgage solution for properties in a specific area or market.
