All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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Oregon Housing and Community Services' below-market-rate first mortgage for first-time homebuyers (first-time requirement waived for veterans and in Targeted Areas), issued through the Oregon Bond/Flex Lending program via participating lenders; can be paired with 4-5% down payment assistance. Subject to county-based income and purchase-price limits.
Fixed-rate first mortgage (open to any homebuyer, not limited to first-time buyers) combined with a second mortgage for down payment and/or closing-cost assistance, which can be structured as repayable or forgivable depending on the product.
Estimated all-in monthly payment for a home price you have in mind.
Check which down payment assistance programs you likely qualify for.
What actually reaches your account after federal tax, FICA, and your state's own brackets — with local income tax disclosed rather than guessed at.
Oregon banned real estate transfer taxes by statute, with one grandfathered county exception. Here's what closing on a $521,368 Oregon home actually costs.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.