Welcome to Pacific Mortgage Group
Oregon Mortgage Loans
Pacific Mortgage Group is a mortgage broker serving homebuyers and homeowners across Oregon, from Portland to Eugene, Bend to Salem. We provide access to home purchase loans and refinancing solutions backed by wholesale lender rates and nearly two decades of industry experience.
How We Work
Pacific Mortgage Group operates as a wholesale mortgage broker. Rather than offering products from a single mortgage lender, we connect borrowers with a network of wholesale lending partners. This model gives you access to multiple lenders’ pricing through one point of contact.
Our mortgage process combines technology-driven efficiency with direct human communication. We handle pre-approval, application processing, underwriting coordination and closing logistics. We tailor solutions to your needs, and you work with a dedicated team from start to finish.
Our team takes the time to listen and understand, so we can offer solutions that may fit your unique situation. By taking care of the mortgage process, we free up your time to focus on your home search.
Oregon Home Loan Programs
Pacific Mortgage Group offers access to a full range of mortgage programs for homebuyers and homeowners across the state:
FHA Loans in Oregon
The Federal Housing Administration (FHA) insures FHA loans, allowing borrowers to purchase a home with a low down payment. FHA mortgage loans feature flexible credit requirements and potentially attractive interest rates. FHA financing works for primary residences, including single-family homes, townhomes and approved condominiums. Mortgage insurance is required, but the program can be an accessible path to homeownership for qualified buyers. FHA loan limits vary by county, and our team verifies your property’s eligibility during pre-approval.
USDA Loans in Oregon
The U.S. Department of Agriculture (USDA) backs mortgages for low- to moderate-income borrowers purchasing homes in eligible rural and suburban areas. USDA home loans require zero down payment and offer competitive interest rates. Property location determines eligibility, and income limits apply based on county and household size. Pacific Mortgage Group verifies USDA property and borrower eligibility for applicants during the pre-approval process.
As more people embrace non-traditional career paths, some lenders are responding with self-employed mortgages that do not require a W-2 form. Designed specifically for property buyers without a traditional income, these Oregon home loans consider all your gig, freelance and self-employment income as part of a streamlined application process.
Conventional Mortgages
Conventional home loans remain the standard financing option for many homebuyers. Not backed by a government agency, conventional mortgages offer flexibility in loan amount, property type and term length. Borrowers can choose fixed-rate conventional mortgages for stable monthly payments or adjustable-rate mortgages (ARMs), which can offer lower initial rates.
Conventional financing works for primary residences, second homes and investment properties. Down payments vary, though 20% down eliminates the need for private mortgage insurance. Conventional loans may also allow higher loan amounts than some government-backed programs.
VA Home Loans
The U.S. Department of Veterans Affairs (VA) backs loans for veterans, active-duty service members and eligible surviving spouses. VA home loans have zero down payment and no private mortgage insurance requirement, offering favorable rates and terms to qualified buyers. VA funding fees may apply, but if they do, they can generally be financed into the loan amount.
These mortgages apply to primary residences only and require a Certificate of Eligibility (COE). Pacific Mortgage Group can assist with COE processing and guides veterans through the full VA loan process, from pre-approval to closing.
Down payment assistance and specialized loan programs are available for first-time homebuyers in Oregon. The state’s down payment assistance programs can provide part of the purchase price to cover closing costs and down payment expenses. Some programs offer forgivable loans that don’t require repayment if you remain in the home for a specified period. Homebuyer education requirements apply to most assistance programs. Income limits and purchase price caps vary by county.
Pacific Mortgage Group connects first-time homebuyers with these state and local assistance programs, pairing them with FHA, conventional or other qualifying mortgages.
USDA Loans in Oregon
The U.S. Department of Agriculture (USDA) backs mortgages for low- to moderate-income borrowers purchasing homes in eligible rural and suburban areas. USDA home loans require zero down payment and offer competitive interest rates. Property location determines eligibility, and income limits apply based on county and household size. Pacific Mortgage Group verifies USDA property and borrower eligibility for applicants during the pre-approval process.
Reverse Mortgages in Oregon
Homeowners age 62 and older can access home equity through reverse mortgage programs. Reverse mortgages allow you to borrow against your home’s value while continuing to live in the property, offering financial flexibility for retirement expenses, healthcare costs or home modifications.
No monthly mortgage payments are typically required as long as you meet the loan terms and remain in the home. You must maintain property taxes, homeowners insurance and basic home maintenance. Pacific Mortgage Group works with seniors to determine if a reverse mortgage fits their retirement planning goals.
Mortgage Refinancing
Pacific Mortgage Group’s wholesale lender access allows homeowners to compare refinance rates from multiple lenders simultaneously.
What Homeowners Say About Pacific Mortgage
“I thought it was a long shot that we would be able obtain a cash out refinance loan but they walked me through the process, explained all of the options and we were able to get the loan! They were very helpful every step of the way explaining what we had to do and what each step would entail. I can enthusiastically say that I had a very positive experience with Pacific Mortgage!”
“My wife and I worked with Pacific Mortgage on a refinance and the whole process was an absolute breeze. They were very timely and responsive and incredibly helpful in guiding us through the process. Would definitely recommend!”
“Highly recommend Raeda at Pacific Mortgage Group. She made the entire loan process smooth and stress-free with her expertise and excellent communication. Raeda and her team handled my refinance loan efficiently. Thanks to her, we closed on time and with very competitive loan terms. Truly outstanding service!”
Contact Pacific Mortgage Group
Pacific Mortgage Group serves homebuyers and homeowners from our headquarters in Corona, California. Licensed throughout Oregon, we provide mortgage financing for properties in Portland, Eugene, Salem, Bend, Medford, Gresham, Hillsboro, Beaverton, Corvallis and communities across the state.
For Oregon mortgage rates and loan options, call Pacific Mortgage Group at 951-404-2928 to discuss your needs with a mortgage specialist. You can also submit a contact form online or begin the pre-approval process online. We understand the challenges of the competitive Pacific Northwest property market, and we’re ready to help you with purchasing or refinancing real estate.
