It has not been this affordable to buy a home in the last 45 Years...

Do you think now is the time to buy?

There is a myth out there that loans are still hard to get and you need to have a large down-payment. Not true at all! With interest rates still at all record time lows financing options still exist! You can even still buy after BK or short sale!

Here are three Great Options:

Fill out the form below to apply for any of these loans, you will be contacted shortly.


KeyBank - Community Mortgage 100% Option

Here are some ways Key Community Mortgage loan can help:

  • 100% Financing Allowed
  • No Mortgage Insurance
  • Designed for First Time Home Buyers
  • 30 Year Fixed, no prepayment penalties

What does it take to Qualify?

  • Property Located in Low or Moderate census tract OR
  • Household Income below $56,900 for Metro Counties
  • Must be Primary residence
  • Cannot own another home
  • Full income documentation
  • 3% Max seller contribution
  • 620 minimum credit score
  • 42% Maximum debt to income ratio
  • $500 minimum investment from Buyer, balance of downpayment abd closing costs can be gifted or paid for by seller
  • 1 Months PITI (principal, interest, taxes, insurance) in reserves after closing

Contact me to find out of a property you are interested in within a low-moderate area. If your household income is less than $56,900, then it doesn't matter where the home is. If you would like to apply for this loan, fill out the form below and we will have a mortgage lender give you a call.

OnPoint Community Credit Union - Just For Starters & Homeroom Program

This program is intended to serve members that have stable monthly income, but have not been able to save sufficient funds for a down payment and have NOT owned improved real estate in the last three years. Homeroom Program is for Public Service employees and Educators of K-12 schools.

  • PROPERTY LOCATION: Benton, Clackamas, Columbia, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill and Deschutes counties in Oregon and Clark and Skamania counties in Washington.
  • OCCUPANCY:  Properties must be owner occupied.
  • PROPERTY TYPES: Single Family Residence, PUD, Condominium or Manufactured Home
  • LOAN TO VALUE: Maximum 100%.(95% on non-warrantable condominiums and Manufactured Homes) Value determined by the lesser of the purchase price or appraised value.        
  • PROGRAM TYPE: Fixed interest rate for 30-year loan terms.
  • MORTGAGE INSURANCE: Private mortgage insurance NOT required.
  • RESERVES: Reserves are required for payment of property taxes, hazard insurance and flood insurance (if applicable) and will be included in the total monthly payment.
  • CREDIT:  Acceptable credit will be determined based on a review of overall credit history. Current and past derogatory items will require a letter of explanation.  Bankruptcy and foreclosure must be > 4 years and acceptable re-established credit.
  • GIFT FUNDS: Gift funds are allowed to cover all costs. Gift letter and paper trail must be received. Gift funds must be from an immediate relative and have no requirement for repayment.

Other Conditions Apply

  • Setup for automatic withdrawal for the monthly loan payment is required from an OnPoint CCU account.
  • 2 Months PITI *(as defined below) cash reserves must be verified on deposit prior to closing
  • Seller can contribute up to 3% of  sales price
  • Manufactured Homes must be in original installation location – cannot have been moved.
  • Home Inspection is required, as well as a clear pest & dry rot report.
  • Homebuyer Education required from Portland Housing Center.

For more information about this program and to see if you qualify, please fill out the form below and a representative will be in touch with you shortly.


USDA: 100% Financing on Rural Properties

100% financing on properties outside the City Limits. Area's include: Forest Grove, Sherwood, North Plains, parts of Gresham and Damascus, McMinnville, Wilsonville, Woodburn, and others.

To find out more about this program please visit the USDA website.

To begin the loan process, please contact Denise Prothe with Pacific Residential Mortgage at 503-310-4266 or at

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