Knowing the local market and community makes a difference. We offer a variety of fixed and variable rate mortgage loans in Oregon and Southwest Washington backed by local experience and local servicing. That means you get quicker decisions and more flexibility than anywhere else. Whether you’re a first-time buyer, looking for a second home or investment property, or interested in refinancing your existing home, OnPoint provides local lending options to meet your needs.

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Mortgage Rates

        Estimated Payments
  Rate APR Points # of Months Rate Payment
30 Year Fixed Rate 4.000% 4.084% 0.125% 359 4.000% $859.35
1 4.000% $857.52
30 Year Jumbo Fixed Rate 4.000% 4.043% 0.000% 359 4.000% $2,148.37
1 4.000% $2,147.56
15 Year Fixed Rate 3.375% 3.499% 0.000% 179 3.375% $1,275.77
1 3.375% $1,275.24
Homeroom 5.250% 5.321% 0.000% 359 5.250% $1,325.29
1 5.250% $1,324.36
Just for Starters 5.250% 5.321% 0.000% 359 5.250% $1,325.29
1 5.250% $1,324.36
5/5 ARM 3.500% 4.311% 0.250% 60 3.500% $808.28
299 4.625% $908.91
1 4.625% $909.77
5/5 Jumbo ARM 3.500% 4.261% 0.000% 60 3.500% $2,020.70
299 4.625% $2,272.28
1 4.625% $2,271.65
  • 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 $180,000.00, 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 $240,000.00 and located in Multnomah County, Oregon.
  • The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $745.00 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 740 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.


Balance Financial Fitness

The Balance Financial Fitness Program has many resources that can help you prepare to buy a home and better understand the process with tools such as a money management planner, calculators, and a home search checklist. Check out their Homebuying Toolkit for more information.

Here is a short informational video from Balance on getting a mortgage:

Frequently Asked Questions


All OnPoint loans are subject to credit terms and approval.

1 All loans require automatic payment from an OnPoint account. Refer to complete disclosures and agreements for other conditions that may apply.

2 LTV may vary depending on loan size and property type. See an OnPoint representative for details.