Portland, OR
Your Portland, OR mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Portland — clear guidance from pre-approval through closing.
Portland home loans, the honest version.
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.
That market shapes the loan. In Multnomah County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Portland 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 Portland from the ground up — close to Mount Hood beyond the Portland skyline. We finance homes across Pearl District, Hawthorne, Alberta Arts District, and Nob Hill — and every other corner of Portland. Looking for a mortgage broker near you in Portland? 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.
Portland market knowledge
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-time & assistance
Portland 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 Portland file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Portland loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Portland, 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 →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Matched to your Portland purchase, not a template.
For Portland 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 Portland, we also help buyers in Lake Oswego, Tigard, Beaverton. See all Oregon cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Portland, OR buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Portland office.
Portland mortgage questions, answered.
What's the 2026 conforming loan limit in Portland?
In Multnomah 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 Portland?
Most Portland 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 Portland neighborhoods do you serve?
We serve buyers across Portland, including Pearl District, Hawthorne, Alberta Arts District. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Portland, OR?
Yes. We help Portland 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 Portland?
Yes — we also work with buyers in nearby Lake Oswego, Tigard, Beaverton. Same process, local loan-limit details for each.
Let's finance your Portland home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Portland purchase and shop the lenders for you.