Eugene, OR
Your Eugene, OR mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Eugene — clear guidance from pre-approval through closing.
How Eugene buyers get to the closing table.
Eugene is home to the University of Oregon, creating sustained demand across faculty, staff, and the knowledge-economy workforce; as the hub of Lane County with strong outdoor-recreation access, its residential appeal extends well beyond students.
That market shapes the loan. In Lane County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Eugene purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Eugene from the ground up — close to Hayward Field at the University of Oregon. We finance homes across South University, Whiteaker, West University, and River Road — and every other corner of Eugene. Looking for a mortgage broker near you in Eugene? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Eugene market knowledge
Near Hayward Field at the University of Oregon, across South University, Whiteaker, West University — we know Eugene's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Eugene buyers often start with FHA, first-time-buyer, conventional — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Eugene file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Eugene loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Eugene, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Eugene financing that fits the home and the borrower.
For Eugene we lean on FHA, first-time-buyer, conventional through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Eugene, we also help buyers in Springfield, Corvallis, Albany. See all Oregon cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Eugene, OR buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Eugene office.
Eugene mortgage questions, answered.
What's the 2026 conforming loan limit in Eugene?
In Lane County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Eugene?
Most Eugene buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Eugene neighborhoods do you serve?
We serve buyers across Eugene, including South University, Whiteaker, West University. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Eugene, OR?
Yes. We help Eugene homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate OR financing for you.
Do you serve areas near Eugene?
Yes — we also work with buyers in nearby Springfield, Corvallis, Albany. Same process, local loan-limit details for each.
Let's finance your Eugene home.
Straight answers on your Eugene options, and a broker who shops the whole market so you don't have to.