— Clatsop County

Clatsop County
Home Loan Specialists

Mortgage financing for coastal vacation homes, resort condominiums, second-home purchases, and investment properties across Cannon Beach, Seaside, and the northern Oregon Coast.

— ABOUT Clatsop County LOANS

Clatsop County
Mortgage Financing

Pacific Home Loans provides mortgage financing throughout Clatsop County, including Cannon Beach, Seaside, Astoria, and Gearhart. We offer conventional, FHA, VA, jumbo, portfolio, Non-QM, and PrimeResort™ loan programs structured for the Oregon Coast’s distinct property landscape – which spans Cannon Beach’s iconic luxury vacation market to Astoria’s historic residential community and Seaside’s vacation rental and second-home corridor.

Clatsop County is home to some of Oregon’s most recognized coastal destinations, with Cannon Beach consistently ranked among the most desirable vacation property markets on the West Coast. The combination of Haystack Rock, a walkable village atmosphere, and limited inventory has driven elevated property values and strong second-home demand from Portland metro buyers, California buyers, and out-of-state purchasers. The 2026 conforming loan limit in Clatsop County is $832,750, and many Cannon Beach properties require jumbo, portfolio, or non-agency financing given elevated price points and frequent non-warrantable condominium classifications.

— SPECIALIZED FINANCING

Cannon Beach Luxury &
Vacation Property Financing

Cannon Beach is Oregon’s most celebrated coastal community and one of the most sought-after vacation property markets in the Pacific Northwest. Limited inventory, iconic scenery, and strong short-term rental demand have driven prices to levels that frequently require jumbo or portfolio financing – and the prevalence of resort-adjacent condominium developments means project-level review is commonly required before financing can proceed.

Key Cannon Beach Financing Characteristics

  • Elevated purchase prices frequently exceeding the $832,750 conforming limit
  • Non-warrantable and resort-adjacent condominium project classifications
  • Strong short-term vacation rental demand and income potential
  • Second-home and investment property classifications
  • Limited inventory creating competitive purchase environments

— FOR RESORT & NON-WARRANTABLE PROJECTS

PrimeResort™

Some condominiums – particularly resort-designated or non-warrantable projects – require specialized underwriting that conventional lenders cannot provide.

Investor Qualification

Learn more about qualifying for a home loan utilizing investor and cash-flow-based qualification.

Portfolio Loans

Learn more about our portfolio loan options and flexible financing solutions.

— Clatsop County LOAN OPTIONS

Clatsop County Vacation Property,
Investor & Non-QM Loans

Seaside & Gearhart Vacation Property Financing

Seaside and Gearhart offer a more accessible entry point to the northern Oregon Coast second-home and vacation rental market. These communities attract Portland metro buyers seeking weekend and seasonal getaway properties, as well as investors drawn by consistent short-term rental demand from Portland and Willamette Valley visitors. Condominium developments along the Seaside beachfront may require specialized project review.

Financing considerations in Seaside and Gearhart commonly include:

  • Second-home and vacation property classifications
  • Short-term rental income and DSCR qualification for investment properties
  • Non-warrantable condominium characteristics in beachfront developments
  • Primary residence financing for buyers relocating to the coast

For investor cash flow qualification:
→ DSCR / Investor Cash Flow Loans

For condominium-specific complexity:
→ PrimeResort™ Condo Financing

Astoria Historic & Residential Financing

Astoria – Oregon’s oldest American settlement west of the Rocky Mountains — offers a distinct real estate profile anchored by historic Victorian homes, riverfront properties, and an emerging residential market driven by remote workers and lifestyle buyers seeking affordability and character. Astoria’s growing appeal among Portland metro buyers and out-of-state purchasers creates consistent demand for primary residence, second-home, and investment property financing.

Financing considerations in Astoria commonly include:

  • Primary residence purchases for remote workers and lifestyle relocators
  • Historic home financing with renovation and improvement considerations
  • Investment property and short-term rental financing in a growing tourism market
  • Affordable price points compared to Cannon Beach, with strong appreciation potential

For renovation financing:
→ Renovation & Construction Loan Options 

Short-Term Rental & DSCR Investor Financing

Clatsop County’s coastal vacation markets — particularly Cannon Beach, Seaside, and Gearhart — support an active short-term rental investment market driven by consistent demand from Portland metro visitors and Pacific Northwest travelers. Investors purchasing vacation rental properties may qualify using DSCR methodology based on the property’s rental income potential.

Income used for DSCR qualification may include:

  • Existing rental history and documented rental income
  • AirDNA market data and projected short-term rental income
  • Appraiser-supported rental income analysis based on local market data

→ DSCR / Investor Cash Flow Loans 
→ Explore Non-QM Mortgage Programs

Full-Service Clatsop County Mortgage Programs

In addition to specialized financing solutions, Pacific Home Loans offers a complete range of traditional agency programs:

→ Conventional Loans
→ FHA Loans
→ VA Loans
→ HomeReady
→ Home Possible 

— WHY PACIFIC HOME LOANS

Pacific Home Loans
Clatsop County Mortgages

  • Experience financing coastal vacation properties, resort condominiums, and non-warrantable projects
  • Expertise with Oregon Coast second-home and investment property scenarios
  • DSCR and short-term rental income qualification expertise
  • In-house underwriting and portfolio capital solutions for complex transactions
  • Access to jumbo, PrimeResort™, Non-QM, and alternative documentation programs

Pacific Home Loans structures financing solutions that match the full range of Clatsop County’s real estate market – from luxury vacation homes in Cannon Beach to investment properties in Seaside and residential purchases in Astoria.

Condo Financing Expertise

Expertise in complex condo, condotel, and financing for resort marketplaces.

In-House Service

In-house underwriting and delegated lending capabilities for faster, better service.

Flexible Borrower Solutions

Experienced with high-value and luxury transactions, offering loan amounts up to $30 million.

Licensed Across 10 States

Hawaii-headquartered with multi-state licensing – serving borrowers wherever their investment journey takes them.

Dedicated Loan Team

Every borrower is supported by a dedicated team from application through closing – not passed between departments.

Streamlined Process

Pre-qualify quickly, upload documents securely online, and e-sign mortgage disclosures from anywhere.

— COMMON QUESTIONS

Clatsop County
Mortgage FAQ

Have a question not answered here? Our team is available to walk through your specific scenario.

The 2026 conforming loan limit in Clatsop County is $832,750 for a single-family property. Properties with loan amounts above this threshold — which is common in Cannon Beach — require jumbo or portfolio financing. Our team offers competitive programs for these transactions.

Yes. Second-home and vacation property financing is available for eligible properties in Cannon Beach and throughout Clatsop County. Properties with non-warrantable condominium classifications or resort-adjacent project structures may require portfolio or PrimeResort™ financing. Contact our team for a property and project review before making an offer.

Yes, for eligible properties. Short-term rental income in approved zoning areas may be considered under DSCR, bank statement, or portfolio programs depending on property type, rental history documentation, and loan structure.

Yes. We regularly structure financing for Portland metro buyers purchasing second homes and vacation investment properties in Clatsop County. Programs include conventional and jumbo financing for straightforward scenarios, as well as bank statement loans, DSCR programs, and portfolio solutions for more complex situations.

Yes. Conventional, FHA, and renovation loan programs may be available for historic properties in Astoria depending on property condition and eligibility. For properties requiring significant repairs or improvements, renovation financing options including FHA 203(k) and HomeStyle® may be available. Contact our team to discuss the specific property.

Loan amounts vary by program and borrower qualifications. Financing solutions may be available up to $30 million depending on property type, loan structure, and underwriting guidelines.

Start Your Clatsop County Financing Strategy

Whether you are purchasing a vacation home in Cannon Beach, a short-term rental property in Seaside, or a primary residence in Astoria, our team can help structure the right financing solution for your goals.

Call 1-866-389-2778