Mortgage Options

Portland Mortgage Home Loans

More options for more homebuyers

Choosing the right home loan can seem overwhelming, but with guidance from an Advantis mortgage expert, you're sure to find the perfect fit. Whether you're buying your first home, want to refinance, or are thinking about an investment property, our options offer low rates and convenient terms.

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Mortgage Options

Best for

Max Loan to  Market Value Ratio

Max Loan Amount

Terms Available

Mortgage Insurance

Traditional Fixed Rate Mortgage

Borrowers looking for a fixed rate loan with flexible terms

Borrow up to 95% of home market value

Up to $417,000 (or current conforming loan limit)

Flexible fixed terms

Required if  your loan is more than 80% of home market value

Adjustable Rate Mortgage (ARM)

Borrowers looking for big savings with low starting rates and built in rate protections

Borrow up to 95% of home market value

Up to $417,000 (or current conforming loan limit)

5/1 and 3/2 ARM

Not required

First Time Homebuyers

First time borrowers looking for low down payment options

Borrow up to 95% of home market value

Up to $417,000 (or current conforming loan limit)

All loan products/terms

Required if your loan is more than 80% of home market value. Loan products are available with no MI requirement.

Balloon

Borrowers who require a low monthly payment and plan to be in their home less than 10 years

Borrow up to 95% of home market value

Up to $417,000 (or current conforming loan limit)

Fixed Rate Balloon Loan

Not required

Jumbo

Borrowers looking for competitive interest rates on higher balances

Borrow up to 80% of home market value

Up to $750,000 or more

Fixed, ARM and Balloon Loans

Not required

Rehabilitation
Learn more

Borrowers looking to buy a "fixer-upper" or renovate and refinance their existing home with the simplicity of one loan

Borrow up to 90% of home market value based on purchase price; up to 75% for investment homes

Up to $417,000 (or current conforming loan limit)

Fixed, ARM and Balloon Loans

Not required