Let's Talk Home Loans

Apply Today

Live. Lend. Local.

Willamette Valley Banks Home Loan Teams are made up of people living in the communities we lend in. Whether they are a Loan Consultant taking your application, the Underwriter, or the person in post-closing, each one of them embodies the value of We do it for the Borrower. They take the responsibility of building their communities through home ownership very seriously.

Lets Talk

Home Loans

Find A Loan Officer

Helpful Home Loan Information

Can I get a home loan while in Chapter 13 bankruptcy?

Can I get a home loan while in Chapter 13 bankruptcy?

Yes you can in many circumstances! If you’ve been in repayment for a year or more, all payments have been made on time, your credit scores are above 580, and you have a stable monthly income, there may be options for you.

My credit took some hits, but I want to buy a home.

FHA Loan could help you accomplish this. With an FHA loan there is a low downpayment minimum, which can come from a gift or a grant and the program even allows for a lower credit score to qualify.

How do I get rid of my Mortgage Insurance?

How do I get rid of my Mortgage Insurance?

Contact a Loan Officer today to see if with the value of your home today you might be able to reduce or remove your mortgage insurance.

I want to take advantage of my home equity.

I want to take advantage of my home equity

WVBK has cash out loan options for you with our Fixed Rate Conventional Mortgages. It offers the confidence of knowing your rate and payment will not change for the term of your loan. This is a great program for anyone planning on being in their home for a longer period of time.

I am a veteran who wants to buy a home.

If you’re active duty military or a veteran or an eligible family member of a military veteran, you may qualify for a Veterans Affairs loan. The VA Mortgage is a government-based product offering 100% financing of the reasonable value of the property, with less restrictive qualifying terms than conventional programs.

*VA loans require a VA Funding Fee that may be financed into the loan or paid out of pocket at closing.

I live in a high-priced area.

A High-Balance Mortgage Loan is defined as a conventional mortgage where the original loan amount exceeds the conforming loan limits published yearly by the Federal Housing Finance Agency (FHFA), but does not exceed the loan limit for the high-cost area in which the mortgaged property is located, as specified by the FHFA. The conforming loan limit is $453,100 and the high-cost area limit is $679,650 for a 1-unit dwelling in the continental U.S. WVBK offers high balance loans from both conventional and government home loan programs.

I need a loan amount above the conforming limit.

Jumbo mortgage is a plus-size home loan weighing in at a dollar amount above what are called the conforming loan limits. A jumbo loan will typically come with more demanding requirements than a smaller, conforming mortgage. The jumbo loan threshold is $453,100 in most of the United States, though in the highest-cost areas loans have to go over $679,650 to reach jumbo territory. Contact a local WVBK Loan Consultant today.

When country living is what you want.

The USDA Rural housing loan might be for you. Rural development loans are a great option for your borrowers looking for 100% financing. This program allows for 30-year fixed rate, No down payment required, No cash reserves needed, closing costs may be financed on some transactions, and Seller contributions allowed.

I have limited funds for a down payment.

Maybe HomeReady or HomePossible is the program for you. These two programs are Fannie Mae and Freddie Mac loan programs with affordable low down payment mortgage products designed for creditworthy low to moderate-income borrowers, with expanded eligibility for financing homes in low-income communities.

I need help with down payment.

WVBK offers the HomeStart DownPayment assistance program. The HomeStart Grant is a first come first serve downpayment assistance program which is available to qualifying home buyers earning up to 80% of the area median income for the location of the residence being purchased. Contact a local WVBK Loan Consultant today to find out if you qualify.

Willamette Valley Bank