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Oregon Bond Residential Loan Program

Oregon Bond Residential Loan Program, provides competitive rates helping eligible families increase their home purchasing power and keep their monthly house payments affordable.
​Loan Option 1: Cash Advantage
The borrower gets a competitive interest rate on their home loan along with cash equal to 3% of their loan amount. The cash assistance will help reduce the total closing costs needed to buy the home. Borrowers cannot use Cash Advantage funds for the minimum investment required for an FHA Loan.

Loan Option 2: Rate Advantage​
The borrower maximizes their buying power with a competitive interest rate and a lower monthly payment.​

​OHCS works with a network of lenders throughout the state to offer competitive home loans. The participating lenders are available to walk you through every step of the loan qualification process. 

Find a lender in your area.

You may have more questions about the Oregon Bond Residential Loan Program, here are some frequently asked questions.​

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


Loan Specialist

Oregon Bond Residential Loan Program

Download brochure here.