HOME FINANCING IN OREGON

The Financing Process — Simplified

Whether you’re purchasing your dream home or investing in a probate property, we help you understand your loan options and secure financing that fits your goals.

✓ Conventional

✓ FHA

✓ VA

✓ Investment Loans

✓ Estate Sale Financing

FINANCING MADE SIMPLE

Even for Probate and Estate Purchases

Buying a home or a probate property doesn’t have to be complicated. With the right guidance and a trusted lending partner, the process can feel straightforward and empowering. We collaborate with lenders experienced in probate transactions — ensuring you have access to programs that accommodate unique timelines, estate sales, or inherited home purchases.

Work With a Trusted Lender

We connect buyers with Oregon lenders experienced in both standard and probate transactions.

503-851-8622

THE FINANCING PROCESS

From Pre-Approval to Closing Day

Get Pre-Approved

Meet with a lender to get pre-approved before house hunting. For probate properties, pre-approval is especially important — some courts require proof of financing before confirming the sale.

Tip: Work with a lender familiar with probate sales to match the estate’s court timeline.

Find the Best Loan

Conventional, FHA, and VA loans each have unique advantages. For probate properties, your agent and lender can identify programs that allow as-is purchases or homes needing light renovation.

ConventionalFHAVAInvestmentEstate Sale

Application & Processing

Once an offer is accepted, your lender guides you through the full application. For probate homes, extra title verification may be required. Stay responsive to documentation requests to keep your loan moving.

• Income & employment docs
• Appraisal & title search
• Underwriter review

Closing Day

Once approved, it’s time to finalize your purchase. For probate transactions, closing often includes additional legal review and court confirmation, coordinated on your behalf.

FREQUENTLY ASKED QUESTIONS

Home Financing Questions, Answered

What credit score do I need to buy a home in Oregon?

Most conventional loans require a minimum 620 credit score, while FHA loans may accept scores as low as 580 with a 3.5% down payment. VA loans often have more flexible requirements. A lender can review your full financial picture and recommend the best path forward.

What’s the difference between pre-qualification and pre-approval?

Pre-qualification is a quick estimate based on self-reported information. Pre-approval is a more thorough review where the lender verifies your income, assets, and credit. Sellers — and probate courts — typically require a pre-approval letter, not just a pre-qualification.

Can I finance a probate or estate property?

Yes. Many probate properties qualify for standard financing, though some may require an as-is clause or additional title review. We work with lenders experienced in estate transactions to help you navigate any unique requirements.

How long does the loan approval process take?

Standard loan approvals typically take 21–45 days. For probate purchases, allow additional time for court confirmation if required. Starting the pre-approval process early gives you the best chance of closing on schedule.

Are there down payment assistance programs in Oregon?

Yes. Oregon Housing and Community Services (OHCS) offers programs for qualifying buyers, including first-time homebuyers. We’ll connect you with a local lender who can review your eligibility and identify the best programs for your situation.

Have more questions?

Serving Families Across Western Oregon

From the Portland Metro area through the Willamette Valley to the Oregon Coast

SalemKeizerAlbanySilvertonDallasMonmouthStaytonPortland MetroHillsboroOregon CityPacific CityNewportLincoln CityCorvallisMcMinnville

Ready to Talk About Your Situation?

Whether you’re an executor, heir, or professional supporting a family through probate — we’re here to help with honest guidance and certified expertise.

503-851-8622

No obligation. No pressure. Just clarity.