We open the door. You make it a home.
Homebuying, made simple.
Buying a home is a big step in your financial journey. At OnPoint, our Mortgage Loan Officers make the process easy with local expertise and reliable service. As a trusted local lender, we’re proud to support the communities we call home.
Our experience in the local market gives you the leverage you need. Plus, if rates drop, refinance later and have your closing costs waived.**
Get pre-approved today!
Additional mortgage loan rate details.
Terms | Rate | Annual percentage | Points | 1-month payment* |
|---|---|---|---|---|
| Learn more about mortgage purchase loans View mortgage refinance rates 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. | ||||
Terms 30 year fixed rate | Rate 6.375% | Annual percentage 6.468% | Points 0.375% | 1-month payment* $2,573.46 |
Terms 30 year jumbo fixed rate | Rate 6.375% | Annual percentage 6.469% | Points 0.500% | 1-month payment* $5,031.52 |
Terms 15 year fixed rate | Rate 5.750% | Annual percentage 5.900% | Points 0.375% | 1-month payment* $3,425.44 |
Terms Homeroom | Rate 7.625% | Annual percentage 7.724% | Points 0.500% | 1-month payment* $3,892.87 |
Terms Just for Starters | Rate 7.625% | Annual percentage 7.724% | Points 0.500% | 1-month payment* $3,892.87 |
Terms 5/5 ARM | Rate 6.250% | Annual percentage 6.655% | Points 0.500% | 1-month payment* $2,539.83 |
Terms 5/5 jumbo ARM | Rate 6.250% | Annual percentage 6.644% | Points 0.500% | 1-month payment* $4,965.77 |
Terms FHA | Rate 6.250% | Annual percentage 6.365% | Points 0.500% | 1-month payment* $2,539.83 |
Terms VA | Rate 6.250% | Annual percentage 6.358% | Points 0.500% | 1-month payment* $2,539.83 |
Terms Rates effective: | Rate March 21, 2025 | Annual percentage | Points | 1-month payment* |
Terms | Rate | Annual percentage | Points | 1-month payment* |
|---|---|---|---|---|
| Learn more about mortgage refinance loans View mortgage purchase rates 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. | ||||
Terms 30 year fixed rate | Rate 6.375% | Annual percentage 6.480% | Points 0.500% | 1-month payment* $2,573.46 |
Terms 30 year jumbo fixed rate | Rate 6.375% | Annual percentage 6.469% | Points 0.500% | 1-month payment* $5,031.52 |
Terms 15 year fixed rate | Rate 5.750% | Annual percentage 5.897% | Points 0.375% | 1-month payment* $3,425.44 |
Terms Homeroom | Rate 7.625% | Annual percentage 7.724% | Points 0.500% | 1-month payment* $3,892.87 |
Terms 5/5 ARM | Rate 6.250% | Annual percentage 6.668% | Points 0.625% | 1-month payment* $2,539.83 |
Terms 5/5 jumbo ARM | Rate 6.250% | Annual percentage 6.644% | Points 0.500% | 1-month payment* $4,965.77 |
Terms FHA | Rate 6.250% | Annual percentage 6.365% | Points 0.500% | 1-month payment* $2,539.83 |
Terms VA | Rate 6.250% | Annual percentage 6.358% | Points 0.500% | 1-month payment* $2,539.83 |
Terms Rates effective: | Rate March 21, 2025 | Annual percentage | Points | 1-month payment* |
Find your perfect home loan option.
Fixed rate mortgages & refinancing
Best for:
Best for:
Maximum loan amount
Maximum loan amount
Interest rate
Interest rate
Terms (see rate table below for payment examples)
Terms (see rate table below for payment examples)
Down payment requirement
Down payment requirement
Property types
Property types
Conventional fixed
Best for:
Those who want the stability of a fixed rate for the life of their home loan.
Maximum loan amount
$766,550
Interest rate
Terms (see rate table below for payment examples)
15-, 20- and 30-year fixed rates
Down payment requirement
Minimum of 3% down for purchase, 5% no cash-out refinance, 20% cash-out refinance
Property types
1-4 unit single family residence, PUD, condo and manufactured homes
Jumbo fixed
Best for:
Buyers whose bigger plans require a larger loan amount.
Maximum loan amount
$2,000,000
Interest rate
Terms (see rate table below for payment examples)
10-, 15-, 20- and 30-year fixed rates
Down payment requirement
Minimum of 5% down for purchase and no cash-out refinance, 30% cash-out refinance
Property types
Single family residence, PUD, condo
Variable rate mortgages & refinancing.
Best for:
Best for:
Maximum loan amount
Maximum loan amount
Interest rates
Interest rates
Terms (see the rate table below for payment examples.)
Terms (see the rate table below for payment examples.)
Down payment requirement
Down payment requirement
Property types
Property types
Mortgage insurance
Mortgage insurance
Caps
Caps
Conventional ARMs
Best for:
Buyers seeking a lower rate or payment who may plan on moving in the future.
Maximum loan amount
$766,550
Interest rates
Terms (see the rate table below for payment examples.)
3-, 5- and 7-year ARMs
Down payment requirement
Minimum of 5% down for purchase and no cash-out refinance, 20% cash-out refinance
Property types
1-4 unit single family residence, PUD, condo and manufactured homes
Mortgage insurance
Required for all loans with less than 20% down payment
Caps
3/1 and 5/5 ARM
2% initial adjustment, 2% subsequent adjustment, lifetime adjustment 6%
7/1 ARM
5% initial adjustment, 2% subsequent adjustment, lifetime adjustment 5%
Jumbo ARMs
Best for:
Buyers seeking a lower rate or payment whose bigger plans require a larger loan amount.
Maximum loan amount
$2,000,000
Interest rates
Terms (see the rate table below for payment examples.)
3-, 5- and 7-year ARMs
Down payment requirement
Minimum of 5% down for purchase and no cash-out refinance, 30% cash-out refinance
Property types
Single family residence, PUD, condo
Mortgage insurance
Required for all loans with less than 20% down payment
Caps
3/1 and 5/5 ARM
2% initial adjustment, 2% subsequent adjustment, lifetime adjustment 6%
7/1 ARM
5% initial adjustment, 2% subsequent adjustment, lifetime adjustment 5%
First-time home buyers mortgage options
Best for:
Best for:
Maximum loan amount
Maximum loan amount
Interest rates
Interest rates
Terms (see the rate table below for payment examples.)
Terms (see the rate table below for payment examples.)
Down payment required
Down payment required
Property types
Property types
Mortgage insurance
Mortgage insurance
Just for Starters®
Best for:
First-time home buyers who may want extra support on their home buying journey.
Maximum loan amount
Based on county property values
Interest rates
Terms (see the rate table below for payment examples.)
30 years
Down payment required
0% Down
Property types
Single family residence, PUD, condo and manufactured homes
Mortgage insurance
Not required
FHA Loans
Best for:
First-time home buyers and those looking for a low down payment option. This applies to purchasing, refinancing or re-establishing homeownership.
Maximum loan amount
Based on county property values
Interest rates
Terms (see the rate table below for payment examples.)
15, 20 and 30 years
Down payment required
Minimum of 3.5% down for purchase, 2.25% rate and term refinance (value determined by the lesser of the purchase price or appraised value), 20% equity needed for cash-out refinance
Property types
1-4 unit single family residence, PUD, condo and manufactured homes
Mortgage insurance
Required for all loans regardless of down payment amount
Mortgages & refinancing for veterans & educators.
Best for:
Best for:
Maximum loan amount
Maximum loan amount
Interest rates
Interest rates
Terms (see the rate table below for payment examples.)
Terms (see the rate table below for payment examples.)
Down payment required
Down payment required
Property types
Property types
Mortgage insurance
Mortgage insurance
VA Loans
Best for:
Qualified military veterans and active military members seeking flexible financing options.
Maximum loan amount
$766,550
Interest rates
Contact us for details.
Terms (see the rate table below for payment examples.)
15, 20 and 30 years
Down payment required
0%
Property types
Single family residence, PUD, condo and manufactured homes
Mortgage insurance
Not required
Homeroom®
Best for:
People working at an accredited educational institution seeking to purchase a home or refinance an existing home.
Maximum loan amount
Based on county property values
Interest rates
Terms (see the rate table below for payment examples.)
30 years
Down payment required
0%
Property types
Single family residence, PUD, condo and manufactured homes
Mortgage insurance
Not required
We'll be with you every step of the way. It's what we do.
As a local mortgage leader we offer some of the best mortgage loan rates you can find. These days, buying a home in the Pacific Northwest has many challenges. Getting a great rate on your home loan shouldn’t be one of them.
You know what you need. We know homebuying.
when you’re closing on your new home. And with low down payments, we’re here to make homebuying more accessible. We even offer 0% down payment options for:
- Educators
- First-time Homebuyers
- Veterans
Chat with us today for help finding the right loan for your homebuying needs. We’ll help make it simple.
Apply for mortgage pre-approval onlineBuying a home can feel overwhelming, we'll help make it simple.
- Get pre-approved online!
- Communicate your needs with your mortgage loan officer
- Start your house hunt
- Work with your realtor and mortgage loan officer to finalize your purchase
- Make a house a home
Find a local Mortgage Loan Officer
Meet some of our helpful loan officers (refine the results to find all the loan officers nearest you):
Disclosures
All OnPoint loans are subject to credit terms and approval.
*APR=Annual percentage rate.
*All purchase mortgages originated until the end of 2026 are eligible to have the Loan Origination Fee waived up to $795 on a new refinance of the same property. The new refinance loan must close by December 31, 2027, to get the fee waiver promo. The borrower and property must meet all applicable underwriting guidelines and closing conditions that are in effect at the time of the new refinance. Not to be combined with OnPoint Rewards or Group Banking
