Pacific Home Loans provides mortgage financing throughout Oregon, including Portland, the West Hills, Bend, Sunriver, Sisters, Cannon Beach, Seaside, Astoria, and communities across the state. We offer conventional, FHA, VA, jumbo, portfolio, PrimeResort™, and Non-QM loan programs structured for Oregon’s diverse property landscape – from Portland Metro’s urban luxury market and Central Oregon’s mountain resort communities to the Oregon Coast’s vacation and second home corridor.

Oregon’s real estate market spans three genuinely distinct buyer profiles and financing environments. The Portland Metro is the Pacific Northwest’s second-largest urban market, with a strong technology and creative sector driving demand for luxury primary residences, urban condominiums, and investment properties. Central Oregon – anchored by Bend’s rapid emergence as one of the West’s most sought-after lifestyle destinations and Sunriver’s well-established resort community – attracts California buyers, remote workers, and outdoor lifestyle seekers who have driven sustained appreciation and created one of Oregon’s most active resort condominium and vacation rental markets. The Oregon Coast — particularly Cannon Beach and the northern coast communities of Clatsop County – draws Portland Metro and out-of-state buyers to one of the most recognized and persistently high-demand vacation property markets in the Pacific Northwest.

The 2026 conforming loan limit is $832,750 for a single-family property across all Oregon counties — the statewide baseline, with no high-cost county designations in the state. Despite this uniform limit, jumbo and portfolio financing are commonly applied across Portland’s luxury West Hills estates, Bend’s premium mountain communities, and Cannon Beach’s elevated vacation property market, where purchase prices regularly exceed this threshold.

— EXPLORE MORTGAGE SOLUTIONS BY REGION

— SPECIALIZED FINANCING

The Portland metro – encompassing Portland, Lake Oswego, West Linn, and the West Hills – is Oregon’s primary residential and luxury real estate market. High-net-worth buyers, tech professionals, and self-employed business owners make up a significant share of the Portland luxury market, and many transactions involve financing complexity that extends beyond standard agency guidelines.

Key Portland metro communities include:

• Lake Oswego — Portland’s premier luxury suburb with waterfront estates and high-value neighborhoods
• West Hills / Dunthorpe — estate properties with city and mountain views
• West Linn — established luxury community with strong appreciation history
• Pearl District — high-rise condominium and urban luxury market
• Southwest Portland hills — custom estate and architectural home market

Financing considerations in the Portland metro commonly include:

• Jumbo loan amounts above the $862,500 high-balance conforming limit
• Complex borrower profiles — tech executives, business owners, and creative industry professionals
• Self-employed and alternative income documentation needs
• Non-warrantable condominium projects in urban high-rise developments
• Investment property and multi-property ownership scenarios

→ Explore Portland Metro Mortgage Programs

— SPECIALIZED FINANCING

Bend has become one of the most sought-after resort and second-home markets in the western United States, attracting buyers from California, the Bay Area, Seattle, and the broader Pacific Northwest. The combination of outdoor recreation, a vibrant downtown, and relative affordability compared to coastal markets has driven sustained demand — particularly in the luxury and resort segment where non-warrantable condominium projects, DSCR investment properties, and complex borrower profiles are common.

Key Central Oregon communities include:

• Bend — Oregon’s premier resort city with luxury homes, resort condominiums, and investment properties
• Sunriver — Oregon’s most recognized resort community with vacation rentals and condominium residences
• Sisters — boutique mountain community with luxury homes and strong second-home demand
• Tumalo — rural acreage and estate properties near Bend

Financing considerations in Central Oregon commonly include:

• Resort and non-warrantable condominium project financing in Sunriver and Bend communities
• Short-term rental income and DSCR qualification for vacation investment properties
• Second-home and vacation property classifications
• Jumbo financing for higher-value Bend luxury properties

For resort condominium and non-warrantable project financing:

→ PrimeResort™ Condo Financing
→ Explore Bend & Central Oregon Mortgage Programs

— SPECIALIZED FINANCING

Oregon’s coastline stretches over 360 miles of public beach access, with vacation property demand concentrated in communities like Cannon Beach, Seaside, Lincoln City, and Newport. These markets attract second-home buyers, vacation rental investors, and lifestyle-driven purchasers whose financing needs frequently involve non-warrantable condominium structures, short-term rental income qualification, and second-home property classifications.

Financing considerations for Oregon coastal properties commonly include:

• Second-home and vacation property classifications
• Non-warrantable condominium and resort-adjacent project structures
• Short-term rental income and DSCR qualification options
• Seasonal occupancy and rental demand dynamics

For condominium-specific complexity and resort-style projects:

→ PrimeResort™ Condo Financing
→ Explore Oregon Coast Mortgage Programs

— SPECIALIZED FINANCING

Oregon attracts a significant concentration of self-employed borrowers, tech professionals, creative industry workers, and real estate investors whose income profiles benefit from flexible Non-QM qualification programs. Portland’s tech sector, Bend’s entrepreneurial community, and the broader Pacific Northwest migration pattern all contribute to strong demand for alternative documentation programs.

Available Non-QM programs include:

• Bank statement loans – qualification based on 12 or 24 months of deposits
• Asset-based qualification – qualification based on liquid and investable asset reserves
• DSCR / investor cash flow loans – qualification based on rental property income
• 1099 loan programs – for independent contractors and business owners
• Portfolio lending solutions – customized structuring for complex borrower scenarios

→ Explore Non-QM Mortgage Programs

Oregon’s luxury and resort markets frequently involve transaction timing, asset positioning, or competitive purchase dynamics that require financing flexibility beyond standard agency guidelines. Portfolio lending solutions provide options for borrowers navigating these scenarios.

Portfolio lending solutions may allow borrowers to:

• Structure financing around a liquidity event, business sale, or asset reallocation
• Strengthen purchase offers in competitive luxury and resort market conditions
• Bridge from a current property to a new purchase
• Finance properties that fall outside standard agency or jumbo guidelines

→ Explore Portfolio Loans & Flexible Financing Solutions

— PROGRAM OPTIONS

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

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