Oregon Mortgage Rates and Refinance Rates Today

Mortgages in Oregon: Find the best Oregon mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Oregon, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Oregon. Another option is searching for Oregon refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Oregon mortgage rates or refinance rates.

Search and Compare Oregon Current Mortgage Rates & Refinance Rates

Mortgage Rates Updated Mon May 27, 2019
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 97303, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
4.544
4.500
USD
Bank of the West

4.544%
5/21/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.426
4.375
USD
Citizens Bank, NA

4.426%
5/17/2019
4.375%
at 0.250 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $1,056
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.240
4.125
USD
Bank of America

4.240%
5/21/2019
4.125%
at 0.979 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $1,166
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.030
4.000
USD
LincolnWay Community Bank

4.030%
5/21/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Union Bank
Union Bank
300000
Refinance
4.397
4.375
USD
Union Bank

4.397%
5/23/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $771
 
 
30 yr fixed mtg refi Mortgage Loan from Oregon Pacific Bank
Oregon Pacific Bank
300000
Refinance
4.048
3.990
USD
Oregon Pacific Bank

4.048%
5/23/2019
3.990%
at 0.125 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $1,719
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Oregon Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Oregon are the most popular type of mortgages rates you can find advertised for home buyers in Oregon. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Oregon mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Oregon banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Oregon conforming mortgage rates and refi rates lower than Oregon jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Oregon home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Oregon

Jumbo mortgage rates in Oregon are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Oregon and adjustable mortgage rates in Oregon. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Oregon make.

Oregon Fixed Mortgage Rates and Fixed Refinance Rates

Oregon fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Oregon Adjustable Mortgage Rates

Adjustable Oregon mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Oregon are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Oregon. Most adjustable mortgages in Oregon have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



Cities in Oregon