Buy now. Refi later, on us.
Homebuying, made simple.
Wondering if mortgage rates will drop? It’s natural to hope for lower rates, but waiting shouldn’t hold you back. Buy on your schedule and get the home you want now.
If rates fall, you can refinance before 2028 with no loan origination fee.* That way, you won’t miss out on a great opportunity. Focus on what really matters—making your new house feel like home.
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 6.500% | Annual percentage 6.582% | Points 0.250% | 1-month payment* $2,607.28 |
Terms 30 year jumbo fixed rate | Rate 6.500% | Annual percentage 6.595% | Points 0.500% | 1-month payment* $5,097.63 |
Terms 15 year fixed rate | Rate 5.750% | Annual percentage 5.900% | Points 0.375% | 1-month payment* $3,425.44 |
Terms Homeroom | Rate 7.750% | Annual percentage 7.850% | Points 0.500% | 1-month payment* $3,940.27 |
Terms Just for Starters | Rate 7.750% | Annual percentage 7.850% | Points 0.500% | 1-month payment* $3,940.27 |
Terms 5/5 ARM | Rate 6.500% | Annual percentage 6.606% | Points 0.500% | 1-month payment* $2,607.28 |
Terms 5/5 jumbo ARM | Rate 6.500% | Annual percentage 6.595% | Points 0.500% | 1-month payment* $5,097.63 |
Terms FHA | Rate 6.375% | Annual percentage 6.491% | Points 0.500% | 1-month payment* $2,573.46 |
Terms VA | Rate 6.375% | Annual percentage 6.485% | Points 0.500% | 1-month payment* $2,573.46 |
Terms Rates effective: | Rate May 7, 2025 | Annual percentage | Points | 1-month payment* |
Affordable rates and low down payments.
We offer affordable rates with local loan decisions and servicing. Local decisions mean that we can save you time when you need it most—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.
Buying 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 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.
