Oregon Mortgage Blog
Expert mortgage insights for Southern Oregon buyers — from first-time homebuyer tips to VA loan strategies, USDA eligibility, and local market updates.
Featured Articles
What Credit Score Do You Need to Buy a Home in Oregon in 2026?
A headline this week said you need a 775 credit score to buy a home. Here is what that number actually means — and what each loan program really requires for Oregon buyers.
You Don't Need 20% Down to Buy a Home in Oregon — Here's the Truth
Think you need 20% down to buy a home in Oregon? You don't. Learn about FHA, USDA, VA, and Oregon's DPA programs that let you buy with far less — and why waiting to save 20% may be costing you equity.
Oregon First-Time Homebuyer Programs in 2026
A complete guide to Oregon's down payment assistance programs, the Oregon Bond Residential Loan, and OHCS programs available to first-time buyers in the Rogue Valley.
All Articles
What Credit Score Do You Need to Buy a Home in Oregon in 2026?
A headline this week said you need a 775 credit score to buy a home. Here is what that number actually means — and what each loan program really requires for Oregon buyers.
You Don't Need 20% Down to Buy a Home in Oregon — Here's the Truth
Think you need 20% down to buy a home in Oregon? You don't. Learn about FHA, USDA, VA, and Oregon's DPA programs that let you buy with far less — and why waiting to save 20% may be costing you equity.
Oregon First-Time Homebuyer Programs in 2026
A complete guide to Oregon's down payment assistance programs, the Oregon Bond Residential Loan, and OHCS programs available to first-time buyers in the Rogue Valley.
VA Loan Funding Fee Exemption: Are You Eligible?
Many Oregon veterans don't realize they qualify for a VA funding fee exemption that can save $3,000–$15,000 at closing. Here's exactly who qualifies and how to claim it.
USDA Loan Eligible Areas in Oregon: 2026 Map Update
USDA eligibility maps were updated in 2026. Many Rogue Valley communities still qualify — including parts of Central Point, Eagle Point, White City, and Talent. Here's what changed.
Medford Oregon Housing Market: Spring 2026 Update
Inventory is up 18% year-over-year in the Rogue Valley, but prices have held steady. What it means for buyers and sellers in Medford, Ashland, and Central Point.
FHA Loan Credit Score Requirements in 2026: What You Need to Know
FHA loans allow credit scores as low as 500, but the real story is more nuanced. Here's exactly what credit score you need for 3.5% down vs. 10% down — and how to improve your score fast.
Conventional vs. FHA Loan: Which Is Better in 2026?
The answer depends on your credit score, down payment, and how long you plan to keep the loan. Here's a side-by-side comparison with real numbers for Oregon buyers.
Mortgage Pre-Approval vs. Pre-Qualification: What's the Difference?
In a competitive market, the difference between a pre-approval and a pre-qualification letter can cost you the home. Here's what each means and why it matters.
Down Payment Assistance Programs in Oregon: Complete 2026 Guide
Oregon has more down payment assistance programs than most buyers realize. From OHCS grants to local nonprofits, here's every program available to Rogue Valley buyers in 2026.
Refinancing in Oregon 2026: When Does It Actually Make Sense?
With rates having dropped from their 2023 peaks, many Oregon homeowners are asking about refinancing. Here's the break-even analysis you need before making the decision.
Jumbo Loans in Oregon 2026: What You Need to Know
With the conforming loan limit at $806,500 in 2026, Ashland and premium Medford buyers often need jumbo financing. Here's what the requirements look like and how to qualify.