Text Size:   A+ A- A   •   Text Only
Find     
Site Image

Buy a Home | Homeownership Programs, Counselor and Resources
spacer image
Homeownership Main Page | Low Interest Loans, Homebuyer Education, and Down Payment Assistance

 

An Overview
The state of Oregon uses state funds to assist first-time homebuyers to secure loans (Residential Loan Program), access homeownership education, and homeownership counseling. The Residential Loan Program uses tax-exempt revenue bonds to finance below-market rate financing and cash assistance mortgage loans, also known as the Oregon Bond Loans. Homeownership assistance services are delivered in partnership with local non-profit organizations throughout the state.

Buy a Home | Where do you start?
spacer

Oregon Housing Centers Oregon Housing Centers | Get Housing Counseling
Oregon Housing Centers have a dedicated counseling staff that are knowledgeable and experienced in helping low- and moderate-income families rent and purchase affordable housing.
Find a housing center near you
spacer image
Get Home buying education: Signup for a home buying class Get Homebuyer Education
Home buying classes help first-time homebuyers learn the basics about the home buying process. They are taught online or in a classroom setting by experienced professionals who specialize in helping first-time homebuyers.
Find a class near you
Learn how to buy a house: Online Homebuying Classes
Website Link: eHomeAmerica Website Link: Home Smart Oregon - Online Homebuying Classes

Buy A Home | Find Programs and Services
spacer image

Buy a Home - First Time Homebuyer and Residential Loan program, Oregon State Bond Program Residential Loan Program - Oregon State Bond Program
OHCS helps low- and moderate-income families in Oregon buy their first home by providing below-market rate financing and cash assistance through its Residential Loan Program (also known as the Oregon Bond Program). The program's below-market rate helps eligible families increase their home purchasing power and lowers their monthly house payments. Learn more
spacer image
First Time Homebuyer Mortgage Lenders in Oregon, Find a lender near you Find a Participating Lender (Oregon State Bond Program)
OHCS does not offer home purchase loans directly to homebuyers. Instead, OHCS works with a network of lenders throughout the state to offer low-interest home loans. The participating lenders are available to walk you through every step of the home-buying loan qualification process. Find lender in your area here
spacer image  
Down Payment and Closing Costs assistance programs in Oregon for low income families Down Payment Assistance Program
The down payment assistance program is administered by participating organizations for low- and very low-income families and individuals, with particular focus on underserved populations. The program is funded through the state's document recording fee. The programs give qualified buyers who have completed a homebuyer education program up to $5,000 for a down payment and/or closing costs. Learn more
spacer image  
Neighborhood Stabilization Program, HUD residential foreclosure prevention assistance program in Oregon. Neighborhood Stabilization Program
The Neighborhood Stabilization Program was developed by the U.S. Department of Housing and Urban Development (HUD) as a response to the proliferation of residential foreclosures that have adversely affected the housing market and greater economy over the last few years. The program is currently in Phase 3 of three phases. Learn more