Business Details
43 Years
experience
Your Trusted Mortgage Partner in Wilsonville, OR
At Oregons Best Mortgage, we have dedicated ourselves to helping Oregonians achieve their homeownership dreams since 1983. With over 38 years of combined experience, our team specializes in providing mortgage loans with the lowest rates and fees in the industry. We offer a comprehensive range of loan options, including conventional, FHA, VA, USDA, jumbo, and investment property loans, tailored to meet diverse financial situations. Our commitment to personalized service ensures that each client receives individual attention, with mortgage professionals available to meet at convenient locations to explain loan details thoroughly.Leveraging modern technology, we streamline the application process through secure online submissions and interactive tools while maintaining the human touch that has sustained our business for decades. As a locally owned and operated company, we understand the unique needs of Oregon residents and remain steadfast in our mission to deliver honest, integrity-driven service with exceptional customer satisfaction.
Services
Mortgage Loans
Refinancing
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Investment Property Loans
First-Time Homebuyer Programs
Renovation Loans
High Balance Loans
Details
- Year established: 1983
Highlights and features
- We offer 38 years of local mortgage expertise with personalized loan solutions
- Our clients receive access to the lowest interest rates and closing costs in Oregon
- We provide 12 unique loan programs including FHA, VA, USDA, and jumbo options
- Our team offers in-person consultations at client-preferred locations
- We maintain a 30-year track record of Oregon-based mortgage service excellence
Services
Mortgage Loans
We provide comprehensive mortgage loan solutions tailored to individual financial situations. Our offerings include conventional loans with 3% down payments, FHA loans requiring 3.5% down, and VA/USDA loans with zero down payment options. With loan amounts up to $3,000,000 and specialized programs for first-time homebuyers, investors, and high-balance requirements, our mortgage experts guide clients through every step of the financing process.
Refinancing
Our refinancing services help homeowners reduce monthly payments, shorten loan terms, or access home equity. We offer streamlined refinancing options for conventional, FHA, and VA loans with competitive rates. Our professionals analyze current mortgage terms to identify savings opportunities while considering market conditions and individual financial goals to create optimal refinancing strategies for Oregon residents.
Jumbo Loans
We specialize in jumbo loan programs for high-value properties exceeding conventional loan limits. Our jumbo loan options extend up to $3,000,000 with competitive rates for qualified borrowers. These loans cater to luxury home purchases and unique properties requiring larger financing amounts while maintaining flexible underwriting standards and personalized service for Oregon's premium real estate market.
First-Time Homebuyer Programs
Our first-time homebuyer programs provide accessible pathways to homeownership with down payment assistance and favorable terms. We offer FHA loans with 3.5% down, conventional options with 3% down, and specialized financing that includes renovation funds. Our counselors guide new buyers through loan selection, pre-approval processes, and local market considerations to ensure informed decisions and successful purchases.
Investment Property Loans
We provide investment property loan solutions with 15% down payment requirements for rental properties. Our programs accommodate multiple property portfolios and offer flexible documentation options for self-employed investors. With expertise in cash flow analysis and property valuation, we help investors secure financing for single-family rentals, multi-unit developments, and commercial-residential hybrids across Oregon's diverse real estate markets.
People
Kathy Bazeghi
Co-Founder
With 38 years of mortgage industry experience, Kathy co-founded Oregons Best Mortgage in 1983 after practicing law. She specializes in mortgage product development and client relationship management, maintaining the company's founding principles of integrity and personalized service since her husband Mark's passing in 2020.
Questions
What documents are required for a mortgage application?
We require government ID, property documentation, income verification (pay stubs, tax returns), asset statements, and debt information. Specific requirements vary based on loan type and individual circumstances.
How does credit score affect mortgage approval?
Credit scores determine loan eligibility and interest rates. We work with borrowers across credit profiles, offering specialized programs for those with excellent to fair credit scores and improvement guidance.
What loan options are available for first-time buyers?
We offer FHA loans with 3.5% down, conventional loans with 3% down, and USDA options with zero down payment. Our counselors help first-time buyers navigate down payment assistance programs and local incentives.
Can I refinance with bad credit?
While better rates require higher credit scores, we offer refinance options for credit profiles ranging from excellent to fair. Our team evaluates individual circumstances to identify suitable refinancing opportunities.
How long does the mortgage process take?
Typical loan processing takes 30-45 days. We provide expedited options for qualified borrowers and maintain transparent timelines throughout the application and closing process.
Do you offer online mortgage applications?
Yes, our secure website allows complete online applications, pre-approvals, and document submission. We combine digital convenience with personal guidance to ensure smooth transactions.
