Oregon home loans and down payment assistance, from Portland to Bend.
Oregon-licensed lending through a Cornerstone First Mortgage branch. We map OHCS Flex Lending, the Portland Housing Bureau city loan, and the jumbo, self-employed, and DSCR files that stall at Salem and Eugene call centers. Real numbers, and a branch manager who works your Multnomah or Deschutes County scenario directly.
We track what actually pays out here: OHCS Flex Lending, community grants up to $60,000, and county loan limits from Lane to Hood River.
Straight math on Portland's city loan versus a national Chenoa or Arrive Home structure. We say so when the OHCS route saves you nothing.
A first-time buyer in Gresham, a self-employed borrower in Beaverton, a physician at OHSU, a Bend short-term-rental investor: one Oregon toolbox covers all of it.
Mike and his Oregon-licensed team run every file directly. No handoffs mid-escrow, and you always know where your Clackamas or Washington County loan stands.
Pick the Oregon path that fits your situation.
Each guide goes deep on one kind of Oregon buyer, from a first-timer stacking OHCS assistance in Eugene to a Portland investor running DSCR numbers. Land directly on the answers for your county and price point.
Down Payment Assistance
We originate Chenoa Fund, Arrive Home, and Essex/NHF national DPA directly. We also map the OHCS Flex Lending route (4-5% of the loan amount), community-organization grants up to $60,000, and the Portland Housing Bureau loan up to $100,000. The full Oregon menu, explained simply.
See Oregon DPA details →Buy Before You Sell
Bridge financing that pulls the sale contingency off your offer. Buy the next place in Lake Oswego or Bend before your current Hillsboro home closes. Listing agents across the Portland metro call this the deal-saver.
See BBYS details →Self-Employed Loans
Bank-statement, 1099, and asset-qualifier paths for Oregon's freelancers and small-business owners. A Beaverton consultant or a Bend contractor qualifies on real deposits, not the number left after Schedule C deductions.
See Self-Employed details →Jumbo & Doctor Loans
Full-doc, alt-doc, and super-jumbo financing for Portland and Bend's higher price points, plus a Medical Professionals program (up to 100% LTV, no PMI) for physicians at OHSU, Providence, Legacy, and Kaiser Permanente Northwest.
See Jumbo / Doctor details →Investor & DSCR Loans
DSCR loans that qualify on rent, not your W-2, including sub-1.0-ratio scenarios. Standard long-term rentals plus short-term-rental products built for Bend, Hood River, and the Oregon coast vacation markets.
See Investor / DSCR details →First-Time Home Buyer Loans
FHA, USDA, and Conventional 97 low-down-payment loans, paired with Chenoa, Arrive, or Essex DPA. We fold in Oregon's own perks: the First-Time Home Buyer Savings Account subtraction and IDA matched savings through Portland Housing Center or DevNW.
See First-Time Buyer details →An Oregon-licensed loan officer, not a call-center voice.
Mike Certo is an Oregon-licensed Branch Manager at Cornerstone First Mortgage. He leads a team of seasoned Oregon-licensed loan officers and stays on the file with the buyer and the agent from pre-approval through an Oregon escrow closing. No junior LO working your loan behind the scenes, and no handoff in the middle of a Multnomah or Washington County transaction.
What you get when you work with Mike:
- Direct line. A real cell phone and return calls within hours, whether you're buying in Portland or on the coast.
- Real numbers. Honest math on whether OHCS Flex Lending, a Portland city loan, or a national DPA structure actually wins for your budget, including when none of them do.
- Files that close. Mike takes the hard ones: self-employed income in Beaverton, contingency removal in Bend, jumbo with student debt for an OHSU physician, DSCR investors scaling a rental portfolio.
Common questions.
Why does OR Loan Experts have multiple websites?
Each Oregon lending niche carries its own questions and audience. We built dedicated guides for down payment assistance, buy-before-you-sell, self-employed loans, jumbo, investor DSCR, and first-time-buyer paths so a Portland first-timer and a Bend investor each land on the answers that fit them. OR Loan Experts is the brand parent linking them all.
What kind of borrowers do you typically work with?
First-time buyers stacking OHCS Flex Lending or a Portland city loan, self-employed borrowers in Beaverton who need bank-statement or 1099 financing, jumbo buyers including OHSU and Providence physicians, DSCR investors buying Bend rentals, and move-up buyers who need a bridge to drop the sale contingency.
Do you work with real estate agents?
Yes, complex Oregon files are our specialty. Listing agents bring us their contingent Portland-metro deals (contract contingent on buyer sale) so we can bridge the contingency. Buyer agents bring self-employed, complex-doc, or unusual-property files from Salem to Medford. Visit the For Agents page for the full referral playbook.
What's the fastest way to find out if you can help me?
Call (480) 296-6513 and ask for Mike, or send your Oregon scenario through the contact form. Our team calls you back shortly. Pre-approval usually takes 24-48 hours once your Multnomah, Lane, or Deschutes County credit and income docs are in.
Ready when you are.
Get pre-approved in 24-48 hours, or talk to Mike first about whether OHCS Flex Lending, a Portland Housing Bureau loan, or a jumbo path fits your Oregon purchase.