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Interest Rates

Oregon Housing and Community Services utilize funds from periodically issued tax-exempt bonds to assist first-time homebuyers in securing below-market interest rates on home loans through the Oregon Bond Residential Loan Program.

Loan Type and Rate, Effective as of 3/23/2023 at 12:01 AM
Oregon Bond Residential Loan Program
Rate Advantage 5.75%
Cash Advantage 6.375%

* Note: This is not an advertisement for credit as defined in Regulation Z.
Please contact an Oregon Bond Residential Loan Participating Lender for Annual Percentage Rate ("APR").

Please note: OHCS Homeownership Division does not make or arrange loans. It is neither an originator nor creditor and is not affiliated with any Lender. The law requires the Lender to provide the following information to the consumer:
  • Loan fees
  • Annual percentage rate (APR)
  • Repayment conditions
  • Disclosures, and any other legally required information

Contact us for more information:

Homeownership Residential Loan Specialists

Oregon Bond Residential Loan Program

Download brochure here.