Building our Community

Through Home Loans

Welcome Home.

Home is one of our favorite words and we want to help get you into yours. Our loans help put you on the path to being a homeowner. From start to finish, we’re here to help you turn your dream home into a reality. It’s what we love to do. Think big and we’ll be there for it.

0% Down Loans

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Willamette Valley Bank - Product Options

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Home Loan Programs


Are you an Appraiser interested in doing business with Willamette Valley Bank? Email to learn how to become a partner.

Conforming Purchase & Refi

Conforming Loans- Purchase & Refinance Loans which meet Fannie Mae and/or Freddie Mac guidelines and typically require minimum of 3-5% down.

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  • Loan amounts up to 726,200
  • No mortgage insurance under 80% loan-to-value
  • Fix rate and adjustable mortgages
  • In-house underwriting
  • Same day funding available


FHA (Federal Housing Authority) Loans- Purchase and Refinance loans which require a minimum of 3.5% down.

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  • 3.5% down payment (can be gifted)
  • loan amounts restricted to geographic area
  • fixed rate and adjustable rate mortgages
  • in-house underwriting
  • same day funding available


USDA/Rural, – A home mortgage program that does not require a down payment if you are purchasing in an eligible rural area.

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  • 100% financing
  • click here to serach USDA eligible areas
  • low mortgage insurance requirement
  • fixed rate and adjustable rate mortgages
  • in house underwriting
  • same day funding available


VA (Veterans Administration). These loans are available to veterans of the U.S. Military and also available to those who have served survivors.

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  • 100% financing
  • no mortgage insurance
  • fix rate and adjustable rate mortgage
  • click here to obtain your certificate of eligibility

Residential Construction Loans

Residential Construction loans for the individual or for the builder constructing a home for their client are available. A Commercial Loan Officer can work with you on a residential construction loan that will be best suited for your project. Contact any Bank office to get started!

Contact a Commercial Loan Officer


A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac — currently this applies to loans over $726,200 for a single-family home in all states (except a few federally designated high-cost markets, where the limit is $970,800).

HomeReady Loan Program

This is a Fannie Mae loan program designed to help creditworthy low to moderate income home buyers purchase in today’s market.

Willamette Valley Bank

Choosing a local mortgage lender for a loan is a decision that goes beyond mere financial transactions; it’s an investment in community vitality. At WVBK, we are deeply rooted in the areas we serve, fostering a sense of responsibility and commitment to the community’s well-being. By lending local, financial resources circulate within the community, contributing to local economic growth. By opting for a local mortgage lender, borrowers not only gain personalized attention and support but also help fortify the local economy, ensuring that the benefits of financial transactions reverberate throughout the community.


Home Loan FAQs

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 600, and you have a stable monthly income, there may be options for you.

Ready to Talk? Click here.

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