Home Loans

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Traditional tan house in suburbs with green lawn

HELOCs

Now with a 5.50% APR 12-month Intro Rate*

If you find a lender that's more transparent about their HELOCs, or they have a better intro rate... we encourage you to go with them.

Features & Details

$25 annual fee
Primary & non-owner occupied properties
Variable rate after Intro period will never exceed 9.00% APR
No prepayment penalties
Credit limit up to $100,000
Borrow up to 80% LTV
15-year draw period
Same rate for all credit score tiers (must be 650+ to qualify)

HELOC Rates

Don’t take our word for it

Home Equity Loans

Primary & non-owner occupied property loans

Oregonians writes fixed equity loans with payments that don't change over time. Great option if you need the funds upfront.

Features & Details

Fixed-rate that doesn't change
Borrow $10,000-$250,000
Borrow up to 80% LTV
Terms up to 15 years
No prepayment penalties

Home Equity Loan Fixed Rates*

Home Equity Balloon Loans

Oregonians offers equity balloon loans for those unique ideal situations. For instance, when you need to fund renovations or repairs:

In order to sell your home before the loan maturity term arrives.
With the goal of refinancing this loan into a mortgage after the project completes.

What's a "Home Equity Balloon Loan"?

An equity balloon loan has a monthly payment calculated using a longer term ("Amortization Period", up to 25 years) than the loan maturity term (3-7 years). You end up with a lower monthly payment compared with a traditional loan, where the payment calculation term and the loan maturity term are the same. Because of this gap with the balloon loan, the full balance ("balloon payment") is due at the maturity loan term.

Real life example: You borrow $100,000 to make major home renovations with the plan to sell after. Your payments will be much lower compared with a traditional equity loan in the meantime. You'll pay the loan off in full when your home sells.

Equity Balloon Loan Fixed Rates*

Mortgages

Primary, secondary or rental property mortgages

Home ownership is challenging. So are mortgages. Oregonians makes the mortgage process easier by working with you every step of the way. Even when this means texting throughout. We can't make your home any sweeter, but we can brighten up your mortgage experience.