Oregon Mortgage Rate Buydown Specialist
Oregon · Rate Buydown Specialist

Lower Your Rate.
Lower Your Payment.
Buy Down Your Power.

Rate buydowns let you permanently or temporarily reduce your interest rate by paying points upfront. Whether you're looking for a 2-1 buydown, a 1-0 buydown, or a permanent rate reduction — I'll run the numbers and help you decide if a buydown makes sense for you.

2-1 Buydown 1-0 Buydown Permanent Buydown FHA/VA Eligible
Calculate My Buydown Savings →
20+
Years Experience
$0
Down VA Eligible
Local
Oregon Expert
Get Pre-Qualified
No cost. No obligation. Fast response.

Your information is private and will never be sold or shared.

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Thank you — your request has been received. I'll be in touch shortly to discuss your home loan options.

Loan Programs

The Right Loan for Your Situation

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VA Loans

You served. You've earned this benefit. VA loans offer $0 down, no private mortgage insurance, and highly competitive rates. I specialize in VA loans including manual underwriting and complex scenarios.

No down payment required Learn More →
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FHA Loans

Ideal for first-time buyers or borrowers rebuilding credit. FHA loans allow as little as 3.5% down and offer flexible qualifying guidelines that conventional loans may not.

As low as 3.5% down Learn More →
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Conventional

Move-up buyers, investors, and borrowers with strong credit profiles benefit from conventional financing — the most flexible terms and fewer restrictions than government-backed loans.

Competitive rates for strong credit Learn More →
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Rate Buydowns

Pay points upfront to reduce your interest rate and monthly payment. We'll show you the math, calculate your break-even, and help you decide if buying down your rate makes sense.

Could lower your payment by $200+/mo Learn More →

Zero & Low Down

Having a hard time with the down payment?

You may need far less than you think. Down Payment Assistance (DPA) programs can cover part or all of your down payment — and sometimes closing costs too — through grants or a small second loan. And true zero-down options like VA (veterans & active-duty military) and USDA (eligible rural & suburban homes) can get you in with little to nothing up front. Let's find the one that fits you.

Let's talk options
You're All Set!

Thanks — I'll reach out within 24 hours to walk through your down-payment options.

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