Oregon Veterans' Exclusive Program

Oregon is one of the few states that offers an exclusive veterans’ only loan program that is distinct to the federal VA program. If you are a veteran looking to purchase a home in Oregon, you do not want to bypass the ODVA (Oregon Department of Veteran’s affairs) home loan as an option! This purchase exclusive loan product offers attractive incentives, including subsided interest rates, to veterans that are typically unbeatable compared to other loan options. If you’re a veteran looking to purchase in Oregon, the ODVA could be the best option or you. Contact us to learn more about this select project.

ODVA Home Loans: A Unique Benefit for Oregon Veterans

The Oregon Department of Veterans’ Affairs (ODVA) offers one of the most powerful state-level veteran home loan programs in the country — and it’s only available to veterans buying a home in Oregon.

What Makes ODVA Loans Different?

Unlike federal VA loans, ODVA loans are state-funded, which allows for:

Competitive interest rates (often better than market)
No private mortgage insurance (PMI)
No funding fee
No maximum loan amount (loan limits are based on qualifications)

ODVA is a standout option for Oregon veterans who don’t meet federal VA loan criteria or want a local program with different terms.

🎥 Watch: ODVA Home Loans Explained

I break down how ODVA loans work, how they compare to VA loans, and who qualifies. If you’re a veteran buying in Oregon, this is worth a look.

ODVA Loan Eligibility

To qualify, you must:

Be a U.S. Armed Forces veteran with honorable discharge
Have served at least 6 years in a Reserve or Guard component, or any length of active duty service
Purchase a home located within Oregon

You do not need to use a federal VA entitlement to access an ODVA loan.

Property Requirements

Eligible properties include:

Single-family residences
Condominiums
Manufactured homes (with land)
Up to 20 acres of land

Key Benefits

🏠 No PMI
💸 No funding fee
📈 Fixed-rate terms
🗺️ Exclusive to Oregon homes
🔒 Potentially lower rates than federal VA loans

Areas I Serve

I’m licensed in Oregon, Washington, and Idaho, but ODVA loans are only available for homes located in Oregon. Whether you’re buying in Portland, Salem, Bend, Eugene, or rural parts of the state — I can help you explore ODVA financing.

Let’s Talk Strategy

Not every lender can originate ODVA loans, but as a local mortgage broker with 25+ years of experience, I can walk you through this program in plain terms.

We’ll compare it to your other options — including VA and conventional — and see what gets you the best rate and lowest overall cost.