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U.S. Bank Area ServedPortland, OR 97204
chien.montero@usbank.com
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503-937-6332
971-517-4484
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The mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed | ||||
20-year fixed | ||||
15-year fixed | ||||
10-year fixed |
Term | Rate | APR | Monthly Payment | Points |
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10/1 | ||||
7/1 | ||||
5/1 |
Term | Rate | APR | Monthly Payment | Points |
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10/1 Jumbo | ||||
7/1 Jumbo | ||||
5/1 Jumbo |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - FHA |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - VA |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - jumbo | ||||
20-year fixed - jumbo | ||||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 409938
503-937-6332
503-937-6332
971-517-4484
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyThe mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed | ||||
20-year fixed | ||||
15-year fixed | ||||
10-year fixed |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
10/1 | ||||
7/1 | ||||
5/1 |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
10/1 Jumbo | ||||
7/1 Jumbo | ||||
5/1 Jumbo |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - FHA |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - VA |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - jumbo | ||||
20-year fixed - jumbo | ||||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 409938
503-937-6332
503-937-6332
971-517-4484
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyUse our mortgage calculator to help you better understand your home financing options.
Mortgage Loan Officer
NMLS# 409938
503-937-6332
503-937-6332
971-517-4484
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage Loan Officer
NMLS# 409938
503-937-6332
503-937-6332
971-517-4484
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyGet answers to your questions regarding home financing, refinancing and more.
If you’ve decided to buy an investment property, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and cash reserves. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool . Contact your mortgage loan officer to learn more and see if you qualify.
Interest rates on investment properties are typically higher than a traditional mortgage interest rate. U.S. Bank offers a variety of investment property loans to suit nearly every need. To learn more about real estate investment loans and current investment property loan mortgage rates, contact your mortgage loan officer.
When considering the purchase of investment property, it’s important to do your research before diving in. You should weigh the pros and cons of real estate investing carefully to determine if it’s right for you. Once you’ve decided which characteristics are most important to you for the property, such as type, location, size and amenities, contact your mortgage loan officer to learn more about real estate investment loans and see if you qualify.
Depending on your home-ownership goals, there are several options for first-time home buyer loans Some examples include Federal Housing Administration (FHA), Veterans Affairs (VA) and United States Department of Agriculture (USDA) loans, which allow for low to zero down payments for qualified buyers. Conventional loans are another option, and you could qualify with a credit score as low as 620 but you’ll need a more substantial down payment (up to 20% depending on your situation). It’s important to consider the benefits of different loan options before deciding which one is right for you.
To qualify for mortgage loans that are best suited for first-time home buyers, there are general requirements that can include:
Your mortgage loan officer can work with you to see if you qualify for any first-time home buyer loans
If you have not owned a home in the last three years, you may be eligible to apply for a first-time home buyer loan and down payment assistance. The requirements for each loan type vary, but they typically are based on your credit score and down payment amount. Contact your mortgage loan officer to see if you qualify.
A jumbo loan is a non-conforming loan for single-family homes with loan amounts greater than $726,200. In certain high cost areas, such as Alaska and Hawaii, the conforming limit is up to $1,089,300. To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information.
Jumbo loans are mortgages that exceed conforming loan limits. The limit on conforming loans is $726,200 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $1,089,300 in certain high cost areas, including Alaska and Hawaii.
A VA jumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan limit of $726,200 and up to $1,089,300 in high-cost areas such as Alaska and Hawaii. If you’re an active-duty service member, veteran or eligible surviving spouse, and you meet the income and credit requirements, a VA jumbo loan could be an option for you.
To qualify for a mortgage loan when self-employed, you’ll need to fill out the same application and meet the same requirements as regular salaried or hourly workers with a W-2 from their employer. The difference is that, you’ll also need to provide some additional documentation, which may include two years of employment verification and income documentation.
To calculate your monthly income, you’ll average your adjusted gross income (total income minus deductions) from the last two years of tax returns. Take your adjusted gross income from each form, add the two numbers together and divide by 24. While there are several factors that determine your eligibility, this simple equation will provide a rough estimate of the amount your mortgage lender will use for consideration of a mortgage loan.
To qualify for a mortgage loan when self-employed, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool. Getting a home loan when you’re self-employed is certainly possible, but you must be prepared for a slightly different mortgage process.
If you’re considering a lot loan, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment amount and debt-to-income ratio. You can strengthen your ability to qualify by monitoring your credit score and taking steps to get your score as high as possible prior to applying for the loan. Contact your mortgage loan officer to learn more about how to get a lot loan.
A lot loan is a mortgage that pays for a residential lot on which a single-family detached home will be built in the near future. It’s different from a construction loan in that it only pays for the lot the home will be built on. The construction loan pays for the construction of the home itself. Condo properties and properties with existing structures on the site are not eligible.
Lot loans are available to qualified buyers who are interested in buying a lot to build a home on. With lot loans, the initial interest rate is fixed for a set period and then becomes variable, adjusting every year for the remaining life of the loan. For example, a 3/1 ARM lot loan has a fixed rate for the first three years and an adjustable rate for the remaining duration of the loan. To learn more about how lot loans work, connect with your mortgage loan officer.
Mortgage Loan Officer
NMLS# 409938
503-937-6332
503-937-6332
971-517-4484
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyBy selecting "Continue," you will leave U.S. Bank and enter a third party Web site. U.S. Bank is not responsible for the content of, or products and services provided by , nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by U.S. Bank. Please note that the third party site may have privacy and information security policies that differ from those of U.S. Bank.
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