Oregon Bond Residential Loan - Rate Advantage
Oregon Bond Residential Loan - Rate Advantage is a below-market first mortgage from Oregon Housing and Community Services (OHCS). Available statewide in Oregon. For first-time buyers. Income limit: $99,200-$165,200 (varies).
Amount varies by program
Listed as open as of May 26, 2026
Available statewide in Oregon.
| First-time buyer | Required |
|---|---|
| Income limit | $99,200-$165,200 (varies) |
| Minimum credit score | 640 |
| Homebuyer education | Required |
| Occupations | Any |
| Sales price cap | $510,939-$864,798 |
| Amount notes | No cash assistance - below-market interest rate only |
| Notes | Best for buyers who do not need cash DPA but want lowest rate. |
| Phone | 1-877-788-2663 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Oregon Housing and Community Services (OHCS) · program details at the provider’s site.
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