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Mortgage Loan Officer

Heidi Talbert

Mortgage Loan Officer

NMLS# 1414081

503-534-0189

Connect with Heidi

  • heidi.talbert@usbank.com
  • 503-534-0189
  • 503-702-3751

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

About me

No matter where you are in the home buying process, I can help.

  • As a mortgage loan officer right here in West Linn, I work with you to help find the right mortgage for your unique situation.
  • You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs?I have the resources to answer questions like that and I've worked with lots of people in and around West Linn with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 503-534-0189.

Certifications

  • Certified Construction Mortgage Loan Officer

Primary location

19060 Willamette Dr
West Linn, OR 97068

Connect with Heidi

  • Email heidi.talbert@usbank.com

  • 503-534-0189

  • 503-702-3751

  • Request a Call

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Explore more

Mortgage rates

Compare rates for a variety of mortgage types.

See mortgage rates

Refinance rates

Compare rates for a variety of home refinancing options.

See refinance rates

Mortgage calculator

Estimate your total monthly mortgage payment.

Run the numbers

Reviews

See what customers are saying about me.

Read my reviews

Mortgage FAQ

Get answers to common home-buying questions.

Commonly asked questions

Resources for builders and realtors

You need a lender that cares about your clients as much as you do.

Builder resource center Real estate agent resource center

Today's mortgage rates in Oregon.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific down payment amount for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of 05/16/2025.

See rates for other states.

Compare current mortgage rates.

Conventional fixed-rate mortgages
30-year fixed 6.625% 6.788% $2,971 0.797
20-year fixed 6.125% 6.308% $3,358 0.592
15-year fixed 5.75% 6.039% $3,853 0.974
10-year fixed 5.5% 5.904% $5,036 0.958

Conforming adjustable-rate mortgages
10/6 mo 7.375% 7.544% $3,205 1.552
7/6 mo 6.5% 6.973% $2,933 0.922

Jumbo adjustable-rate mortgages
10/1 yr 6.5% 6.732% $5,941 0.660
7/1 yr 6.375% 6.707% $5,864 0.700
5/1 yr 6.25% 6.708% $5,788 0.770

FHA mortgages
30-year fixed - FHA 6.375% 7.243% $1,806 0.624

VA mortgages
30-year fixed - VA 6.375% 6.76% $1,682 0.949

Jumbo mortgages
30-year fixed - jumbo 6.875% 7.058% $6,175 0.970
20-year fixed - jumbo 7.0% 7.227% $7,288 0.870
15-year fixed - jumbo 6.75% 6.994% $8,318 0.650

Heidi Talbert

Mortgage Loan Officer

NMLS# 1414081

503-534-0189

  • heidi.talbert@usbank.com

  • 503-534-0189

  • 503-702-3751

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Today's refinance rates in Oregon.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of 05/16/2025.

See rates for other states.

Compare current refinance rates.

Conventional fixed-rate refinance loans
30-year fixed $NaN
20-year fixed $NaN
15-year fixed $NaN
10-year fixed $NaN

Conforming adjustable-rate refinance loans
10/6 mo $NaN
7/6 mo $NaN

Jumbo adjustable-rate refinance loans
10/1 Jumbo $NaN
7/1 Jumbo $NaN
5/1 Jumbo $NaN

FHA refinance loans
30-year fixed - FHA $NaN

VA refinance loans
30-year fixed - VA $NaN

Jumbo refinance loans
30-year fixed - jumbo $NaN
20-year fixed - jumbo $NaN
15-year fixed - jumbo $NaN

Heidi Talbert

Mortgage Loan Officer

NMLS# 1414081

503-534-0189

  • heidi.talbert@usbank.com

  • 503-534-0189

  • 503-702-3751

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage calculator

Use our mortgage calculator to help you better understand your home financing options.

Heidi Talbert

Mortgage Loan Officer

NMLS# 1414081

503-534-0189

  • heidi.talbert@usbank.com

  • 503-534-0189

  • 503-702-3751

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Reviews

Zillow

Heidi Talbert

Mortgage Loan Officer

NMLS# 1414081

503-534-0189

  • heidi.talbert@usbank.com

  • 503-534-0189

  • 503-702-3751

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage FAQ

Get answers to your questions regarding home financing, refinancing and more.

Jumbo loans

A jumbo loan is for single-family homes with loan amounts greater than $806,500. In certain high cost areas, such as Alaska and Hawaii, the loan amount must be greater than $1,209,750. 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 $806,500 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $1,209,750 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 $806,500 and up to $1,209,750 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.

Investment property buyers

If you’ve decided to buy an investment property, there are a variety of qualifying factors, including but not limited to, credit score, down payment and cash reserves. 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 learn more about real estate investment loans and current investment property loan mortgage rates, contact your mortgage loan officer.

When considering the purchase of an investment property, you may want to consider which characteristics are most important to you, such as property type, location, size and amenities. Contact your mortgage loan officer to learn more about real estate investment loans and see if you qualify.

Heidi Talbert

Mortgage Loan Officer

NMLS# 1414081

503-534-0189

  • heidi.talbert@usbank.com

  • 503-534-0189

  • 503-702-3751

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC. Equal-Housing-Lender" Equal Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

1. The rates above assume you have a down payment, or equity, of at least 25% for a conventional fixed-rate loan, an adjustable-rate mortgage (ARM) loan or a jumbo loan, at least 3.5% for an FHA loan and 0% for a VA loan.

Conforming fixed-rate estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6.500% with a down-payment, or borrower equity of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $2,933 over the full term of the loan with an annual percentage rate (APR) of 6.667%.

Estimated monthly payment and APR calculation are based on a down-payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

ARM estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6.875% with a down payment, or borrower equity of 25% and no discount points purchased would result in an initial estimated monthly principal and interest payment of $3,048 with an annual percentage rate (APR) of 7.488%.

Estimated monthly payment and APR calculation are based a fixed-rate period of five years that could change in interest rate every six months for the next 25 years of the loan term, a down-payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. After the five-year introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary with a predetermined index known as the Secured Overnight Financing Rate (SOFR). If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums. Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.

FHA estimated monthly payment and APR example: A $265,375 base loan amount with a 30-year term at an interest rate of 6.250% with a down payment, or borrower equity of 3.5% and no discount points purchased would result in an estimated monthly principal and interest payment of $1,663 over the full term of the loan with an annual percentage rate (APR) of 7.478%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 3.5% and borrower-paid finance charges of 0.862% of the base loan amount. Estimated monthly payment and APR assumes that the upfront mortgage insurance premium of $4,644 is financed into the loan amount. The estimated monthly payment shown here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premiums, and the actual payment obligation will be greater.

VA estimated monthly payment and APR example: A $264,000 base loan amount with a 30-year term at an interest rate of 6.250% with no down payment, or borrower equity and no discount points purchased would result in an estimated monthly principle and interest payment of $1,663 over the full term of the loan with an annual percentage rate (APR) of 6.663%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 0% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. Estimated monthly payment and APR assumes that the VA funding fee of $6,072 is financed into the loan amount. Estimated monthly payment does not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

Jumbo estimated monthly payment and APR example: A $940,000 loan amount with a 30-year term at an interest rate of 5.625% with a down payment, or borrower equity of 25% and no discount points purchased would result in an estimated monthly principle and interest payment of $5,411 over the full term of the loan with an annual percentage rate (APR) of 5.784%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

The rates shown above are the current rates for a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To lock a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Conforming fixed-rate loans:  The annual percentage rate (APR) calculation assumes a $464,000 fixed-term loan with a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $806,500 ($1,209,750 in AK and HI).

Conforming ARM loans: Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. The annual percentage rate (APR) calculation assumes a $464,000 loan with a 25% down payment, or borrower equity, and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment or borrower equity, is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $806,500 ($1,209,750 in AK and HI).

Non-conforming ARM loans: Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. The annual percentage rate (APR) calculation assumes a $940,000 loan with a down payment, or borrower equity, of 25% and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Non-conforming rates are for loan amounts exceeding $806,500 ($1,209,750 in AK and HI).

Jumbo loans: The annual percentage rate (APR) calculation assumes a $940,000 fixed-term loan with a 25% down payment or borrower equity and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, or borrower equity, is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding $806,500 ($1,209,750 in Alaska and Hawaii).

FHA loans: The annual percentage rate (APR) calculation assumes a $270,019 fixed-term loan ($265,375 base amount plus $4,644 upfront mortgage insurance premium) with a 3.5% down payment, or borrower equity, monthly mortgage insurance premium of $176.30, and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

VA loans: The annual percentage rate (APR) calculation assumes a $270,072 fixed-term loan ($264,000 base amount plus $6,072 VA funding fee) with no down payment, or borrower equity and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

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