Know the payment you are comfortable making, the cash you can use without draining reserves, and the type of property you expect to buy. Oregon borrowers may qualify for conventional, FHA, VA, USDA-eligible, or qualifying assistance programs, but eligibility depends on the household, property, location, and current program rules.
Ask for a comparison that shows the rate, points, lender credits, mortgage insurance, taxes, insurance, estimated cash to close, and break-even period. The lowest advertised rate is not always the lowest-cost plan.