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GOOD NEWS! Oregon has state-funded programs that pay your down payment as a grant.
✓ Over 23 programs available for Oregon first-time buyers
✓ 580 + credit score may qualify — do not need 20% down
✓ Grant funds do not have to be repaid on select programs
✓ Free 15-minute consultation/get a real idea on qualifying
✓ Check out all our reviews below - we are here to help you
Most people assume you need 5%, 10% or even 20% down to buy a home. That’s just simply not true — and it’s keeping thousands of PDX-area renters from building wealth. The State of Oregon offers state-funded down payment assistance programs that provide grants toward your home purchase. On select programs, that grant never has to be repaid. Here’s a general idea of who may qualify:
✓ 580+ credit score
✓ Employed 2+ years
✓ Gross monthly income over $7,500 (household)
If those describe you, it’s worth a free 15-minute conversation to find out exactly what you qualify for.
I’m Jeff Ewing, a licensed Real Estate Agent and a licensed Mortgage Loan Originator with Loan Factory in the Greater Portland, Oregon area. I specialize in first-time buyer programs and down payment assistance — and I’ll show you real numbers, not sales pitches. Check your eligibility in 60 seconds — no credit pull, no obligation.
Not a commitment to lend. All loans subject to credit, income, and property approval. Down payment assistance programs have income limits, purchase price limits, and geographic restrictions. Meeting the criteria above does not guarantee qualification. Timeframes vary on transaction type. Jeff Ewing NMLS #2050168 · Loan Factory NMLS #320841 · Equal Housing Opportunity Lender.