Mortgage Broker in Portland, OR

Serving Homebuyers in Portland

I’m Matt Jolivette (NMLS #90661). For a Portland purchase or refinance, I’ll compare eligible programs using your financial situation and the actual property. Conventional, FHA, VA, jumbo and investor programs have different requirements; review the full payment, cash to close and total cost before choosing.

What Buying a Home in Portland Is Really Like

For an older home, review inspections, permits and appraisal conditions. Repairs, additions and property features require review regardless of neighborhood.

For a condominium, obtain association budgets, insurance, assessments and project documents. Borrower approval does not guarantee building eligibility.

For duplexes and other rentals, disclose intended occupancy and provide the lender’s required leases, rent analysis and financial records. Projected rent is not automatically accepted in full.

Compare the proposed loan amount with the current county and unit-count conforming limit. Jumbo requirements vary by lender, loan amount and property.

Preapproval is conditional. Documentation, title and appraisal issues may affect approval or timing.

Check the exact property’s flood determination and insurance quote. A broad description of Portland does not establish the required coverage.

Use verified property and financial records rather than assumptions about neighborhood popularity or future appreciation.

How I Help Portland Buyers and Homeowners

For a first purchase, compare cash to close, recurring housing expenses and reserves. Review any required repairs before relying on an estimated budget.

When buying and selling, disclose payoff amounts, expected sale proceeds, contingencies and overlapping housing obligations.

Self-employed and variable-income borrowers should gather requested returns, statements and business records. Eligible income depends on the lender’s methodology.

For condos, review association documents. For multi-unit properties, confirm permitted use and the program’s rental-income calculation.

For refinancing, compare the existing loan with the proposed balance, term, fees, payment and total interest. The Portland mortgage calculator provides planning estimates, not loan approval.

Keep credit, income and asset information current during underwriting. Discuss changes with the lender before making new financial commitments.

Neighborhoods I Serve in Portland

• Alberta Arts District: Review condition, permits, lot boundaries and appraisal requirements.
• Sellwood-Moreland: Compare the actual property costs and any timing between a sale and purchase.
• Pearl District: Review condominium budgets, insurance, assessments and project eligibility.
• St. Johns: Verify permitted use and lender-required rental-income documentation.
• Laurelhurst: Review inspections and any repairs required by the selected program.
• Montavilla: Confirm occupancy, unit count and the property’s financing requirements.
• West Hills: Compare proposed loan amount, reserves and appraisal requirements.
• Hawthorne/Belmont: Budget for documented repair needs and ongoing maintenance.

For nearby properties, confirm the actual county, state, jurisdiction and applicable program requirements.

Programs Available to Portland Buyers

Down payment, insurance and fees vary across conventional, FHA, VA and other programs. Approved gifts or assistance require eligible sources and documentation.

Federal VA and Oregon ODVA are separate programs. ODVA is purchase-only with down payment, conforming-limit and mortgage-insurance rules. A temporary seller-funded buydown subsidizes early payments without changing the note rate.

Compare actual written terms and current eligibility. No program guarantees approval or the lowest cost, and a smaller down payment is not necessarily the lowest-cost choice.

Talk to Someone Who Knows Portland

If you want straight answers from someone who actually works in Portland, I’m here to help. No pressure either way — just a real conversation about your situation, your goals, and what’s possible in this city. I’ll walk you through the numbers, lay out your options side by side, and make sure you know exactly where you stand. When you’re ready, let’s talk.

Frequently Asked Questions