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Buy a House - Oregon Bond Loans
Homeownership Main Page  / Home Loans

An Overview
OHCS helps Oregon households buy a home by providing below-market rate financing and cash assistance through our Residential Loan Program, also known as the "Oregon Bond Loan." The program offers a below-market rate which helps eligible families increase their home purchasing power and lower their monthly house payments to be affordable. For both loan options, the eligibility and program requirements are the same.

Two Loan Options
The Program offers eligible borrowers a choice between cash to close or our best rate.
 RateAdvantage Home Loan
A qualified borrower will get the lowest fixed rate possible to maximize their home purchasing power. 
/ohcs/hd/sff/images/b_circle2.gif CashAdvantage Home Loan
A borrower will get a low, fixed interest rate on their home loan along with cash assistance equal to 3% of their loan amount. The cash assistance will help to reduce the toal cash they need to close the loan.
How To Apply
To apply, simply contact one of our lenders and they will assist you in getting pre-qualified for one of our home loans.
Find a Participating Lender here
Program Guides

 Acrobat file Program Factsheet 
 Acrobat file Program Brochure (English) 
 Acrobat file Program Brochure (En Español)
 Acrobat file Income Limits 
 Acrobat file Property Purchase Price Limits 
 Acrobat file Targeted and Non-Targeted Area