The Oregon Flex Lending program is Oregon Housing and Community Services’ home loan program. It pairs a fixed-rate first mortgage, either FirstHome (for first-time buyers) or NextStep (open to repeat buyers) with down payment assistance of either 4%
Aug 17, 2026 | Purchasing a Home
Yes, Oregon has first-time home buyer programs! Both VA and USDA loans may allow you to buy a home without a down payment. There are also some great programs to help you cover a down payment when required. These are often calle
Jul 31, 2026 | First-Time Homebuyer Programs
Refinancing your home loan can help lower your monthly payment, shorten your term, or free up cash for other goals. For homeowners across Oregon and Washington, understanding when to refinance—and what the process involves—can lead to meaningf
Feb 12, 2026 | Refinance
Knowing how much home you can afford is the first step to buying confidently in Oregon or Washington. By looking at your income, debts, and today’s mortgage rates, you can estimate your price range and start exploring homes that align with your fina
Feb 03, 2026 | Purchasing a Home
Home loan programs like FHA, VA, and USDA make it easier for buyers in Oregon and Washington to find financing that fits their needs. Each program has unique benefits, from zero-down options to flexible credit requirements. Here’s how to decide whic
Jan 21, 2026 | Purchasing a Home
Oregon and Washington offer some of the strongest first-time homebuyer programs in the country, and many of them can cover up to 100% of the cash you need to close. At NW Capital Mortgage, we specialize in these Oregon homebuyer programs and their Washing
Jan 09, 2026 | Purchasing a Home First-Time Homebuyer Programs