Here at Peak Personal Finance, we’ve had several of you ask us to look at how rates are in the Northwest. Especially to find the best home loans in Oregon. So we’re going to do just that right now.

For this look, we’re assuming a credit score of at least 700 (FICO), 20% down in equity or cash, cash on hand for fees, and a loan amount on average with the area and property.

30 Year Fixed Best Home Mortgage Rates in Oregon
The best home mortgage rates for this are at Habitat Financial with a 4.375% (4.549% APR) interest and 1.25 in points. $1,279 in fees are required and a thirty day lock in period is available. Reducing those points to zero raises the rate to 4.75% (4.817% APR).

AimLoan has a 4.375% interest (4.635% APR) with 1.789 in points, $1,995 in fees, and a thirty day lock in rate. Dropping those points requires a rate of 4.75% (4.856% APR).

Stashin Mortgage Services has a 4.75% (4.798% APR) offer with no point and $910 in fees with a 30 day lock in period.

15 Year Fixed Rate Best Mortgage Rates in Oregon
For this term, the best mortgage interest rates are at Habitat Financial again with 4.0% (4.36% APR), 1.625 in point, $1,279 in fees and thirty days to lock it in.

AimLoan has a 4.0% (4.387% APR) as well with 1.362 in points, $1,995 in fees and a thirty day lock in period.

Amerisave Mortgage has a 4.125% (4.369% APR) offer with no fees and thirty days to lock it in.

All banks listed are equal housing opportunity lenders. Talk to your financial adviser before signing onto a loan. The numbers here will not likely match your situation exactly, so check current best mortgage interest rates before you commit.