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 Credit Union 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)

ARM term option

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

First Time Homebuyers
($0 down)

Flexible down payment option for qualified borrowers

Borrow up to 100% depending on credit qualifications

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

 ARM term option

Not required

Jumbo

Borrowers looking for competitive interest rates on higher balances

Borrow up to 80% of home market value

Loan amounts over $417,000 or conforming limit to a max of $750,000

Contact a Mortgage Loan Officer for terms

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 final rehabbed price; up to 75% for investment homes

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

Contact a Mortgage Loan Officer for terms

Not required