Portland, OR
A better way to mortgage in Portland, OR.
Portland buyers get the full menu — first-time-buyer, conventional, FHA — fitted to the Portland budget you actually have, Pearl District included.
Does Choice Home Mortgage work with Portland, OR buyers?
Yes. Choice Home Mortgage arranges home loans for Portland buyers through licensed partner brokers who cover Oregon. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Portland loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For 2026, a one-unit Portland home can carry a conforming loan of up to $832,750, the Multnomah County limit FHFA sets, and we check where your Portland price falls before you write an offer. The whole process runs by phone and online.
How Portland buyers reach closing in Portland.
Portland has tilted buyer-friendly with rising inventory and fewer bidding wars — a shift from its tight pandemic-era market — while staying a desirable Pacific Northwest destination.
So the Portland strategy starts with the market, not the rate sheet. For Portland, 2026 conforming tops out at Multnomah County’s $832,750 baseline on one-unit Portland homes. With Portland homes mostly under $832,750, conventional plus FHA plus first-time-buyer all work on Portland files. Portland’s price tier is solidly middle-of-market. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Pearl District over to Nob Hill, Portland’s 609,000-plus residents sit within minutes of Lake Oswego and Tigard. Our Portland knowledge is street-level — the area around Mount Hood beyond the Portland skyline included. Buyers come to us from Pearl District, Hawthorne, Alberta Arts District, and Nob Hill, and from every other part of Portland. If you’re in Portland hunting for a nearby broker: we work Portland loans by phone and online, Portland knowledge included. We work 14 cities across Oregon; Portland gets the same discipline as all of them — verify the Portland numbers, then shop the loan.
What working with us looks like.
Portland, block by block
Near Mount Hood beyond the Portland skyline, across Pearl District, Hawthorne, Alberta Arts District — we know Portland's neighborhoods, prices, and the programs that fit them.
First Portland home help
The Portland starting lineup is usually first-time-buyer, conventional, FHA; we add whichever down-payment help your Portland budget is eligible for.
Many lenders, one file
Many lenders bid on each Portland file we bring them — Portland buyers never shop one shelf.
The owner, coordinating
Esther Buede, the owner, coordinates your Portland loan start to finish; our Google reviews show Portland buyers why that matters.
One coordinator on the Portland file, start to keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Portland file, Hawthorne or any Portland address, first call to keys. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Programs shaped to Portland price tags.
First-time-buyer work anchors our Portland lending, with Mount Hood beyond the Portland skyline part of the pull. For Portland we lean on first-time-buyer, conventional, FHA through our licensed partner-broker network — but whatever fits your Portland file, we shop it: an FHA loan, VA, conventional, and non-QM. Start where it suits you: buying, refinancing your mortgage, or testing the numbers — apply in minutes or call (949) 522-7310.
Expect FHA, first-time-buyer, conventional to carry most Portland files.
Portland self-employed buyers get their own path here, qualifying on bank-statement income instead of W-2s; Portland investors have no-income investor financing too. The full Multnomah County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
Portland is the center, not the edge — Lake Oswego, Tigard, Beaverton are covered too. All our Oregon coverage, city by city →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Portland, OR buyers through licensed partner brokers. Equal Housing Opportunity. We work with Portland buyers remotely and maintain no Portland office.
Before you buy in Portland: the FAQs.
What counts as a conforming loan amount in Portland?
A conforming loan on a one-unit Portland home can go up to $832,750 in 2026, which is FHFA's limit for Multnomah County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Multnomah County have a $1,066,250 conforming limit for 2026.
What loans help first-time buyers in Portland?
First-time buyers in Portland most often use FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. An FHA loan on one unit in Multnomah County can go to $701,500 in 2026 (HUD). Some conventional programs accept 3% down from first-time buyers.
Which Portland neighborhoods do you serve?
All of them, from Pearl District to Nob Hill; the rest of Portland is covered too. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Pearl District and Nob Hill, and we coordinate them by phone and online.
Are you set up to arrange loans in Portland, OR?
Yes. Portland loans are arranged through licensed partner brokers in Oregon, with Choice Home Mortgage coordinating the file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Portland office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Portland?
Yes. Besides Portland, we also arrange loans in Lake Oswego, Tigard and Beaverton through licensed partner brokers. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Portland file.
How do we work together on a Portland purchase?
We start with a call to map your Portland purchase, then coordinate the application, documents and updates online. A licensed partner broker in Oregon originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Buying near Portland? We cover that too
Ready for your Portland address?
Straight answers on your Portland options, and a broker shopping the whole market for Portland buyers like you.