Home loans & HELOCs for starting out, upgrading or downsizing

The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 Year adjustable rate loans are calculated based on a purchase of single family, owner occupied residence with a down payment of 25%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon.

The annual percentage rates (APRs) for the Homeroom and Just for Starters fixed rate loans are calculated based on a purchase of a single family, owner occupied residence with a purchase price and loan amount of $550,000.00 and located in Multnomah County, Oregon.

The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on a purchase of a single family, owner occupied residence with a down payment of 25%, a loan amount of $806,501, and a property located in Multnomah County, Oregon.

The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.

All loan applications are subject to credit and property approval.

The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount.

These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.

Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment.

If your down payment or equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR.

Assumes no other loans or liens on subject property.

Property and/or flood hazard insurance may be required.

Maximum loan limits may apply.

Additional rates and programs are available.

Interest rates and APRs are subject to change without notice.

The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon.

The annual percentage rates (APRs) for the Homeroom fixed rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan amount of $550,000.00 and located in Multnomah County, Oregon.

The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $766,551, and a property located in Multnomah County, Oregon.

The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.

All loan applications are subject to credit and property approval.

The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount.

These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.

Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment.

If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR.

Assumes no other loans or liens on subject property.

Property and/or flood hazard insurance may be required.

Maximum loan limits may apply.

Additional rates and programs are available.

Interest rates and APRs are subject to change without notice.

Rates Effective: 07-05-2025

EquityFlex Lines of Credit have a maximum 30-year term with a 10-year draw period and a 20-year repayment period. All EquityFlex Lines of Credit include a $75 Annual Fee during the draw period, which is waived the first year. There is no Annual Fee during the repayment period. Property insurance is always required and flood insurance is required where necessary. Certain property types are not eligible collateral. Borrower pays closing costs and third party fees, which range between $125 -$2500 (estimate). This includes flood certification, appraisal, title insurance, lien and encumbrance report, lien recording fee, and escrow fees if required. Upon payoff/closure, there will be a Deed of Trust reconveyance fee. Please refer to the Personal Fee Schedule at the time of payoff/closure for the current amount due.

¹ Loan approval is subject to credit approval and program guidelines. Maximum loan to value, maximum amount financed, and applicable margin are subject to equity value and OnPoint’s credit and underwriting requirements. Maximum amount for fixed portions are determined by the EquityFlex Line of Credit limit. For EquityFlex Line of Credit with LTV over 80%, the amount financed may not exceed $50,000. For EquityFlex Interest Only Line of Credit, the amount financed may not exceed $150,000.

² EquityFlex Line of Credit rates are variable and based on The Wall Street Journal Prime Rate plus a margin of 0% – 2.75%, depending on occupancy, LTV, and creditworthiness. The APR will vary with the Prime Rate. Rates are subject to change without notice. The Prime Rate is subject to adjustment on the 21st day of each month based on the Prime Rate published in The Wall Street Journal on the 10th day of the month (or the next business day if the 10th falls on a weekend).

³ Estimated minimum monthly payment is for the draw period only. The repayment period is subject to change.

⁴Not to exceed 30 years from the origination date of EquityFlex Line of Credit.

⁵ OnPoint’s fixed rates are subject to change without notice.

⁶ You may convert all or a portion of your outstanding variable-rate EquityFlex Line of Credit balance to a fixed rate balance resulting in
fixed monthly payments at a fixed interest rate. The APR will be set equal to the standard EquityFlex Fixed Portion rate at the time of
conversion. The fixed portion amount must be at least $5,000 and no more than the total existing line of credit limit. There is no fee to
convert a line of credit to a fixed portion or to convert a fixed portion back to a line of credit.

OnPoint Rewards Discount. Borrowers who are eligible for OnPoint Rewards receive 0.25% off of the APR (Annual Percentage Rate) for fixed rate portions of EquityFlex loans when converted. The discount does not apply to the variable APR. Setting up and maintaining auto payment from an OnPoint Checking or Savings account is required. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here.

Solar Panel Discount. Fixed Portion Options with proceeds used to purchase solar panels receive a 0.25% discount off stated APR. The discount does not apply to Streamline First Lien Fixed Portion Option or existing OnPoint EquityFlex fixed portions. A review of the purchase order or invoice is required to qualify. The discount applies to invoice/purchase order amount, not to exceed $12,000.