The Best Mortgage Lenders in Saint Helens, OR
Compare verified mortgage lenders serving Saint Helens, Oregon. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Saint Helens
Featured Mortgage Lenders
Unitus Community Credit Union
Unitus Community Credit Union
As one of Oregon's largest and most respected credit unions, Unitus has served the Portland metropolitan area including Saint Helens for over eight decades. They consistently receive exceptional ratings for their personalized mortgage services, competitive rates, and deep community commitment. Their mortgage advisors specialize in helping Columbia County residents with various loan programs including first-time homebuyer assistance and local down payment programs. Members praise their transparent process, local decision-making, and exceptional customer service throughout the loan process.
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iServe Lending
iServe Lending of Oregon, LLC
iServe Lending has built an outstanding reputation throughout the Pacific Northwest with particularly strong presence in Oregon and Southwest Washington. They specialize in serving the Columbia County region including Saint Helens with their highly-rated digital mortgage platform combined with local expertise. Customers consistently praise their competitive rates, efficient closing process, and responsive communication. Their team has extensive experience with the unique property types and market conditions in the Saint Helens area, making them a top choice for local home financing.
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Guild Mortgage Company
Guild Mortgage Company
Guild Mortgage has been a trusted national lender with deep roots in Oregon for over six decades. Their local loan officers have extensive knowledge of the Saint Helens and Columbia County housing market. They receive consistently high marks for their wide range of loan products, including specialized programs for rural properties common in the Saint Helens area. Customers highlight their professional guidance through complex transactions and their ability to close loans quickly. Their long-standing community presence and commitment to customer education make them a reliable choice for Saint Helens homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Saint Helens, OR
Are there any down payment assistance programs specifically for Saint Helens, OR, homebuyers?
Yes, the Oregon Bond Residential Loan Program (with Oregon Cash Advantage) is a popular statewide program accessible to Saint Helens buyers. It offers competitive interest rates and down payment assistance in the form of a second mortgage, which can be particularly helpful given the area's median home prices. Additionally, Columbia County may have local housing authority grants or programs, so checking with a local lender familiar with the county is advised.
How does the proximity to the Columbia River affect the mortgage process in Saint Helens?
If you're purchasing a home in a designated flood zone near the river, your lender will require flood insurance as a condition of the loan. This is a mandatory and separate cost from homeowners insurance, which can impact your total monthly payment and debt-to-income ratio calculations. Your lender will order a Flood Zone Determination early in the process to confirm this requirement.
What are typical mortgage rates like for buyers in Saint Helens compared to the Portland metro area?
Mortgage rates are primarily set by national markets and your personal credit profile, so they don't vary city-by-city. However, Saint Helens, being in Columbia County, may have different local lender competition and fee structures than Portland. Working with a local credit union or community bank in Columbia County can sometimes provide more personalized service and potentially competitive closing costs.
Are there any special loan considerations for buying an older, historic home in Saint Helens' downtown area?
Yes, purchasing a historic or older home (common in the downtown district) may require specific loan program considerations. An FHA 203(k) renovation loan could be a valuable tool if the home needs significant repairs, as it rolls renovation costs into the mortgage. A standard appraisal may also pay close attention to the condition of older systems like plumbing, electrical, and foundations, which can affect loan approval.
Does Saint Helens qualify for USDA Rural Development home loans, and what are the benefits?
Yes, most of Saint Helens and Columbia County are eligible for USDA Rural Development loans, which offer significant benefits like 0% down payment and competitive interest rates. This can be a major advantage for buyers who meet income eligibility requirements, making homeownership more accessible in this market. A local mortgage broker can help confirm the specific property's eligibility using the USDA's online mapping tool.
Nearby Cities
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Why Choose a Mortgage Lender in Saint Helens?
Local Market Knowledge
Lenders who understand Saint Helens's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Oregon.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Saint Helens and get competitive rates on your home loan.