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.
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. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
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, on your file
Esther Buede — the owner — works your Portland loan start to finish; our Google reviews show Portland buyers why that matters.
One expert on the Portland file, start to keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each Portland file — Hawthorne or any Portland address — first call to keys, as she’s done since 2005. 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: FHA, VA, conventional, and non-QM. Start where it suits you: buying, refinancing, or testing the numbers — apply in minutes or call (949) 522-7310.
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?
In Multnomah County, the 2026 single-family limit is $832,750; anything above that in Portland is jumbo territory. FHFA sets it — we'll verify your Portland case.
What loans help first-time buyers in Portland?
FHA, first-time-buyer, conventional do the heavy lifting for Portland first-timers. We sort which fit your numbers, plus any assistance your Portland file earns.
Which Portland neighborhoods do you serve?
We work Portland citywide — Pearl District, Hawthorne, Alberta Arts District, Nob Hill included. Where in Portland you buy doesn't change how hard we shop.
Are you set up to arrange loans in Portland, OR?
We're licensed in California (NMLS #2629064) and team with licensed partner brokers for OR, so a Portland buyer gets the same many-lenders shopping with the licensing handled properly.
Do you serve areas near Portland?
Covered — Lake Oswego, Tigard, Beaverton all run the same play as Portland, with each county's own limit checked before anything is quoted.
How do we work together on a Portland purchase?
From Portland it's phone-and-online end to end — apply digitally, upload documents, get updates as they happen. Licensed partner brokers cover the OR licensing side; you never sit in a lobby.
Ready for your Portland address?
Straight answers on your Portland options, and a broker shopping the whole market for Portland buyers like you.