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Oregon Mortgage Loans: Refinance, Home Equity, Purchase a Home

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Credit Score - FICO score
A Credit Score is a numeric rating of a borrower's credit worthyness.This score is based on an credit history, open accounts, account balances and the maximum balances available on those accounts. Credit scores are as based on a computerized ranking system. One of the most widely used credit scores is called FICO (Fair Issac Company, which developed it).

First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006

Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands

FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
BAKER $200,160 $256,248 $256,248 $309,744
BENTON $233,700 $263,220 $263,220 $319,800
CLACKAMAS $284,600 $320,550 $320,550 $389,450
CLATSOP $218,500 $256,248 $256,248 $309,744
COLUMBIA $284,600 $320,550 $320,550 $389,450
COOS $200,160 $256,248 $256,248 $309,744
CROOK $200,160 $256,248 $256,248 $309,744
CURRY $200,160 $256,248 $256,248 $309,744
DESCHUTES $280,250 $315,650 $315,650 $383,500
DOUGLAS $200,160 $256,248 $256,248 $309,744
GILLIAM $200,160 $256,248 $256,248 $309,744
GRANT $200,160 $256,248 $256,248 $309,744
HARNEY $200,160 $256,248 $256,248 $309,744
HOOD RIVER $200,160 $256,248 $256,248 $309,744
JACKSON $266,000 $299,600 $299,600 $364,000
JEFFERSON $200,160 $256,248 $256,248 $309,744
JOSEPHINE $237,500 $267,500 $267,500 $325,000
KLAMATH $200,160 $256,248 $256,248 $309,744
LAKE $200,160 $256,248 $256,248 $309,744
LANE $205,200 $256,248 $256,248 $309,744
LINCOLN $200,160 $256,248 $256,248 $309,744
LINN $200,160 $256,248 $256,248 $309,744
MALHEUR $200,160 $256,248 $256,248 $309,744
MARION $200,160 $256,248 $256,248 $309,744
MORROW $200,160 $256,248 $256,248 $309,744
MULTNOMAH $284,600 $320,550 $320,550 $389,450
POLK $200,160 $256,248 $256,248 $309,744
SHERMAN $200,160 $256,248 $256,248 $309,744
TILLAMOOK $200,160 $256,248 $256,248 $309,744
UMATILLA $200,160 $256,248 $256,248 $309,744
UNION $200,160 $256,248 $256,248 $309,744
WALLOWA $200,160 $256,248 $256,248 $309,744
WASCO $200,160 $256,248 $256,248 $309,744
WASHINGTON $284,600 $320,550 $320,550 $389,450
WHEELER $200,160 $256,248 $256,248 $309,744
YAMHILL $284,600 $320,550 $320,550 $389,450