Mortgage Broker in Multnomah County, OR
Experienced mortgage broker serving Multnomah County and surrounding Oregon communities. Find the right loan program for your situation.
Honest pricing, clear guidance, and a local team that picks up the phone — from first question to final signature.
Loan Types We Specialize In
Explore the loan programs available to Multnomah County, OR home buyers and homeowners.
Serving Homebuyers in Multnomah County
I’m Matt Jolivette, NMLS# 90661, helping Multnomah County buyers and homeowners compare mortgage options. I can review conventional, FHA, VA, jumbo and investment-property programs based on your goals, documentation and property. Available financing depends on lender and program requirements.
What Buying a Home in Multnomah County Is Really Like
For an older home, review condition and repair needs before choosing financing. An appraisal evaluates the property for the lender and does not replace a home inspection. Required repairs can affect loan eligibility and closing timing.
For condominiums, the unit and project must meet the selected program’s requirements. Association budgets, insurance, reserves and special assessments can affect both approval and ownership costs.
For a duplex, triplex or fourplex, rental income may help with qualification when program rules and documentation requirements are met. Occupancy and unit count also affect the required down payment and reserves.
Jumbo status depends on the requested loan amount and the current conforming limit for the county and number of units. Preapproval reviews income, assets and credit but remains subject to underwriting and property approval.
Check the specific property’s flood determination and insurance requirements, including properties near Johnson Creek or the Willamette and Columbia rivers. Include required flood insurance in your cost estimate.
How I Help Multnomah County Buyers and Homeowners
I can help you compare financing based on the property you intend to buy and the documentation available for your situation.
- First-time buyers: Compare down payment, closing costs, mortgage insurance and total monthly expenses.
- Move-up and downsizing buyers: Review sale timing, available equity and how existing obligations affect qualification.
- Self-employed or commission income: Review income history and required tax or business records; investment-property programs have separate rules.
- Condo and multi-unit buyers: Confirm project eligibility, unit count, occupancy and the documentation needed for any rental income.
- Refinancing: Compare fees, the new loan term, total interest and potential savings before deciding.
- Competing for a property: Prepare the requested documents early; preapproval does not guarantee final approval or an accepted offer.
Use the Oregon mortgage calculator for initial estimates. Results are not approval or a rate quote; actual costs depend on the property, loan terms and insurance.
Neighborhoods I Serve in Multnomah County
- Alberta Arts District: Review property condition and any proposed repairs for the selected loan program.
- Sellwood-Moreland: Compare the actual loan amount, ownership costs and sale timing for the property you choose.
- Pearl District: For a condo, review project eligibility and the association’s budget, insurance and assessments.
- St. Johns: Confirm unit count and intended occupancy before evaluating any rental income.
- Eastmoreland: Check appraisal requirements and whether the proposed loan exceeds the applicable conforming limit.
- Montavilla: Review the specific home’s price, condition and financing requirements.
- Laurelhurst: Consider the home’s condition, insurance quote and any restrictions affecting planned improvements.
- Downtown Portland: Include association dues and special assessments in condominium cost comparisons.
- Foster-Powell: For a multi-unit property, review occupancy and rental-income documentation rules.
I also help buyers considering Gresham, Troutdale and Fairview. Compare each property’s condition, taxes, insurance and any association requirements.
Programs Available to Multnomah County Buyers
Some eligible buyers may qualify for a low-down-payment conventional or FHA loan, or a federal VA loan without a down payment. Eligibility, loan size, entitlement when applicable and property requirements matter. Gift funds require an acceptable source and documentation.
Federal VA and Oregon ODVA loans are separate programs. ODVA is purchase-only and requires a down payment; mortgage insurance may apply. A temporary seller-paid buydown subsidizes early payments without changing the note rate, and qualifying requirements still apply.
Compare cash to close, payment, mortgage insurance and total costs across the programs available to you. All loans are subject to credit, income, property and underwriting requirements. Program availability and terms can change.
Talk to Someone Who Knows Multnomah County
Contact me to review a Multnomah County purchase or refinance scenario. I’ll explain the documentation and program requirements relevant to your goals. Matt Jolivette, NMLS# 90661, Associated Mortgage Brokers, NMLS# 86136.
About Matt Jolivette NMLS# 90661
Mortgage Broker at Associated Mortgage Brokers NMLS# 86136
I specialize in helping homebuyers navigate the mortgage process with confidence. Licensed in ID, OR, WA. Whether you’re buying your first home or refinancing, I’m here to help you find the right loan for your situation.
📞 503-545-8843 ✉ matt@associatedmortgage.com 🌐 https://nwmortgagebroker.com
Frequently Asked Questions
How much down payment do I need to buy a home in Multnomah County?
Down payment depends on the program and borrower qualifications. Eligible federal VA borrowers may qualify without a down payment. ODVA is a separate purchase-only program requiring a down payment; mortgage insurance may apply. Gift funds are subject to documentation rules.
Can I use rental income from an ADU or duplex in Portland to help qualify for a mortgage?
Yes, lenders may allow you to use projected rental income from an accessory dwelling unit (ADU) or a two-unit property to help with qualifying in Multnomah County. Documentation requirements and income calculations vary, so speak to your mortgage broker about specifics for your property type.
Are there special requirements for financing a condo in Multnomah County, especially in downtown Portland?
Condos in Multnomah County, particularly in downtown Portland, may require additional review to ensure the building meets lender guidelines for owner-occupancy, reserves, and association health. Your broker can help determine if a specific condo project is eligible for your loan program.
How can I finance repairs for an older home in the Multnomah County area?
Some programs can finance eligible purchase and renovation costs, subject to lender availability, borrower qualification and project requirements. I can review whether an available option fits your proposed work.
Does Multnomah County require flood insurance for homes near the Willamette or Columbia River?
Certain areas in Multnomah County, especially near the Willamette and Columbia Rivers, may require flood insurance if the property is in a designated flood zone. Your mortgage broker can help you determine if your desired home falls in such an area and what coverage might be needed.
I pride myself on clear communication and easy access when you need me. Answer a few quick questions and an experienced, local professional will guide you from here.
I keep you informed and supported every step of the way.
A quick call with a local advisor is the easiest first step. No pressure, no credit check.
Matt Jolivette
Matt Jolivette, NMLS #90661, is a mortgage broker and co-owner of Associated Mortgage Brokers, company NMLS #86136. He began at the company as a loan processor in 2000, became a loan originator in 2001 and became a co-owner in 2011. He earned a Bachelor of Science degree in Finance from Portland State University in 2005.