Oregon Mortgage Rates

NetRate Mortgage is a mortgage broker licensed to originate loans in Oregon. We work with wholesale lenders to get you access to rates and pricing that aren't available through retail banks or direct lenders.

Pricing can vary by state — not every wholesale lender operates in every state, and some lenders price differently depending on the market. What doesn't change is our approach: we shop multiple wholesale lenders on your behalf and show you the options side by side. How mortgage pricing works →

A few things that vary in Oregon specifically:

• Closing costs — title insurance rates, recording fees, and transfer taxes vary by county and state
• Loan limits — conforming loan limits differ by county, which affects whether your loan is conforming, high-balance, or jumbo
• Third-party fees — escrow, title, and settlement costs differ by state

Oregon Residents: Something Most Brokers Won't Tell You

Oregon has a unique licensing rule: if you're an Oregon resident, your mortgage loan originator must be licensed in Oregon — even if you're buying property in another state.

That means if you live in Oregon and want to purchase a vacation home in Arizona, an investment property in Texas, or help your parents with a home in California, you need a broker who's licensed in Oregon AND the state where the property is located. Many out-of-state brokers can't do this.

We're licensed in Colorado, California, Texas, and Oregon — so we can help Oregon residents with purchases and refinances both in-state and in any of our other licensed states.

What We Offer in Oregon

• Refinance — Rate-and-term, cash-out, no-cost options. The Refinance Playbook →
• Home Purchase — Conventional, FHA, VA
• Reverse Mortgage — HECM and proprietary products. Reverse Mortgage Guide →
• DSCR Loans — Investment property loans qualified on rental income, not personal income
• Bank Statement Loans — For self-employed borrowers who can't document income through tax returns
• Second Mortgages — HELOCs and closed-end seconds

How It Works

Same as anywhere else:

1. See the rates — Check today's Oregon rates. No application, no credit pull.
2. Compare your options — Every rate, every point/credit combination, side by side.
3. Apply when you're ready — We handle everything from application to closing.

We're a mortgage broker — not a bank, not a call center. Why that matters →

Oregon Licensing

• David Burson — NMLS #641790
• NetRate Mortgage LLC — NMLS #1111861
• Regulated by the Oregon Division of Financial Regulation
• Verify on NMLS Consumer Access →