First-time buyers · Portland, OR
You’re closer than
the internet says.
Twenty minutes with your real numbers beats another year of guessing. Between 3%-down loans and Oregon assistance programs most people never hear about, first houses pencil out more often than the doom content admits. Let’s run yours. That part’s free.
Down payment on many conventional loans — less on FHA/VA
Oregon down-payment assistance we help you tap
A real person answers — no voicemail
No jargon. No pressure. Just a clear path.
A real first call
No application and no credit pull — just a conversation about your situation and what buying in Portland actually takes. Bring questions. We like those.
Get a real answer
We turn it around fast, and if you qualify, you get a pre-approval letter sellers take seriously — plus a clear monthly number so you're shopping in your real range, not guessing.
We close, on time
We manage the paperwork, coordinate your agent and title, and keep the whole thing moving to the closing table. First-timers get more of our time, not less.
Start here
Tell us where you’re at.
Renting, browsing Zillow at midnight, or actually ready — doesn’t matter. Send this over and David or Bri will come back with an honest read on your numbers. Then you’ll know.
Prefer to talk now? Call (971) 754-1771.
The questions everyone asks.
How much do I really need for a down payment?
Less than most people think. Many conventional loans start at 3% down, FHA at 3.5%, and VA at 0% for eligible buyers. Oregon's OHCS program can help cover part of your upfront costs, and sellers can sometimes chip in toward closing. We'll map out every option before you write an offer.
My credit isn't perfect. Can I still buy?
Probably. FHA loans go down to a 580 score, and there's no hard minimum on VA. If you're below the line, we'll give you a short, honest plan to get there instead of just saying no.
Should I get pre-approved before I start looking?
Yes. In Portland's market, listing agents expect a pre-approval letter with any serious offer — and it tells you exactly what you can afford so you don't fall for a house that's out of range.
What does it cost to work with you?
The first conversation is free and there's no pressure to move forward. You work directly with David or Bri — licensed loan officers, not a call center — backed by Movement Mortgage's in-house programs and pricing.