BEST OF
5 Best Oregon Housing and Community Services Lenders of 2021
Oregon Housing and Community Services offers lower mortgage rates, plus down payment and closing cost assistance grants. Here are some of the agency's top participating lenders.
If you’re a first-time home buyer in Oregon, you may be eligible for help through OHCS to make your homeownership dream come true.
OHCS offers mortgages with below-market interest rates as well as grants to help with down payments and closing costs.
Your first step is to contact a participating lender to see if you qualify. We’ve highlighted our top-reviewed lenders in two categories and listed several other participating lenders we haven’t reviewed. All of the lenders do a lot of business in Oregon.
If you’re a first-time home buyer in Oregon, you may be eligible for help through OHCS to make your homeownership dream come true.
OHCS offers mortgages with below-market interest rates as well as grants to help with down payments and closing costs.
Your first step is to contact a participating lender to see if you qualify. We’ve highlighted our top-reviewed lenders in two categories and listed several other participating lenders we haven’t reviewed. All of the lenders do a lot of business in Oregon.
Summary of Best Oregon Housing and Community Services Lenders of 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for first-time home buyers | 620 | 3% | Read review | |
Best for first-time home buyers | 620 | 5% | at loanDepot | |
Best for online convenience | 620 | 3% | at Fairway Independent Mortgage | |
Best for online convenience | 620 | 3% | Read review | |
Best for online convenience | 620 | 3% | Read review |
Guild Mortgage: NMLS#3274

Min. Credit Score
Min. Down Payment
at loanDepot
loanDepot: NMLS#174457

Min. Credit Score
Min. Down Payment
at loanDepot
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. Credit Score
Min. Down Payment
at Fairway Independent Mortgage
US Bank: NMLS#402761

Min. Credit Score
Min. Down Payment
HomeBridge: NMLS#6521

Min. Credit Score
Min. Down Payment
More OHCS participating mortgage lenders
These companies haven’t been reviewed by NerdWallet, but they are among the top-volume lenders in Oregon.
Has an online application for preapproval.
Has over 50 branches in Oregon.
Provides online rate quotes without requiring personal information.
Offers “Rate Watch” service, which emails current rates regularly.
Offers a wide range of mortgages.
Has online application to start the mortgage process.
Has loan officers in seven Oregon cities.
Does not provide mortgage rates online.
Has an online chat feature.
Has about a dozen branches in Oregon.
Has an online application.
Does not publish mortgage rates online.
Checking account customers may qualify for a $500 credit at closing.
Publishes general mortgage rates online.
Has local loan officers throughout Oregon.
Offers a broad range of home loans.
More from NerdWallet
Last updated on January 19, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best Oregon Housing and Community Services Lenders of 2021
- Guild Mortgage: Best for first-time home buyers
- loanDepot: Best for first-time home buyers
- Fairway Independent Mortgage: Best for online convenience
- US Bank: Best for online convenience
- HomeBridge: Best for online convenience