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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Oregon
  4. Eugene
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Eugene, OR

How much house can you afford in Eugene? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Eugene

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Guild Mortgage - Ladelle White

Known for clear communication and prompt service, Guild Mortgage - Ladelle White offers a variety of loan options including fixed-rate, adjustable-rate, and government-backed mortgages. The team guides borrowers through each step with personalized support, helping clients navigate tight timelines and complex decisions. Some customers note the fast pace can feel intense but appreciate the thorough… more...

Known for clear communication and prompt service, Guild Mortgage - Ladelle White offers a variety of loan options including fixed-rate, adjustable-rate, and government-backed mortgages. The team guides borrowers through each step with personalized support, helping clients navigate tight timelines and complex decisions. Some customers note the fast pace can feel intense but appreciate the thorough assistance.

View Profile
(541) 343-1995
Closed Now
1600 Valley River Dr #330, Eugene, OR 97401
2

Paramount Mortgage Company

Paramount Mortgage Company has been serving Oregon since 1997 as an independent broker focused on educating borrowers and maintaining transparency. They offer a wide range of loan options, including specialized programs like asset-qualifier and bank statement loans, and work with local underwriters to speed up processing. Customers appreciate their clear explanations and supportive approach… more...

Paramount Mortgage Company has been serving Oregon since 1997 as an independent broker focused on educating borrowers and maintaining transparency. They offer a wide range of loan options, including specialized programs like asset-qualifier and bank statement loans, and work with local underwriters to speed up processing. Customers appreciate their clear explanations and supportive approach throughout the mortgage process.

Services & Prices
First-Time Homebuyer Assistance Quoted per loan
Credit Assessment Services Quoted per loan
View Profile
(541) 684-0027
Closed Now
975 Willagillespie Rd #201, Eugene, OR 97401
General Services
Mortgage Brokerage
3

Summer Freeman, NMLS# 360504- Mortgage Marketplace

Licensed across seven states, Mortgage Marketplace offers a wide range of mortgage solutions including purchase loans, refinancing, home equity lines, and investment property financing. Clients appreciate the team’s clear explanations and responsive guidance throughout the process, which helps make home financing less stressful and more transparent.

Services & Prices
Pre-Approval Quoted per loan
Closing Assistance Quoted per loan
Rate Lock Service Quoted per loan
Fixed Rate Mortgage Quoted per loan
View Profile
(541) 654-6158
Closed Now
590 Pearl St Suite 300, Office 319, Eugene, OR 97401
General Services
Home Loan Services
4

Eugene Mortgage Brokers

Eugene Mortgage Brokers specializes in comparing mortgage options across multiple wholesale lenders to secure competitive rates and terms. They assist with a wide range of loans, including first-time homebuyer programs, VA loans, and investment property financing. Clients appreciate their responsive communication and personalized guidance throughout the mortgage process.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Refinancing Assistance Quoted per loan
Rate Lock Assistance Quoted per loan
Project Financing Strategies Quoted per loan
View Profile
(541) 972-8620
Closed Now
722 Country Club Rd, Eugene, OR 97401
General Services
Mortgage Services
5

American Pacific Mortgage

American Pacific Mortgage focuses on providing clear, trustworthy guidance through every stage of home financing. They offer a range of loan options, including purchase, refinance, VA, Jumbo, and construction loans, tailored to first-time buyers, investors, and custom home builders. Clients appreciate the team’s expertise and transparent communication, though some may find the process detailed.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(541) 342-7576
Closed Now
1400 Executive Pkwy #300, Eugene, OR 97401
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Guild Mortgage - Trevor Nissen

About Guild MortgageGuild Mortgage is a leading national mortgage lender with a commitment to helping individuals and families achieve homeownership. Founded with a mission to provide exceptional service and innovative lending solutions, Guild Mortgage has grown to become a trusted name in the industry. The company prides itself on its customer-centric approach, offering a wide range of mortgage… more...

About Guild MortgageGuild Mortgage is a leading national mortgage lender with a commitment to helping individuals and families achieve homeownership. Founded with a mission to provide exceptional service and innovative lending solutions, Guild Mortgage has grown to become a trusted name in the industry. The company prides itself on its customer-centric approach, offering a wide range of mortgage products tailored to meet diverse financial needs. With a strong emphasis on integrity, transparency, and community, Guild Mortgage strives to make the home buying and refinancing process as smooth and stress-free as possible for its clients. Their team of experienced professionals is dedicated to guiding borrowers through every step, ensuring they find the right loan to fit their life.Awards & RecognitionGuild Mortgage has consistently been recognized for its excellence in the mortgage industry. The company has received numerous accolades, including being named a Scotsman Guide Top Originator multiple times, reflecting the high performance and dedication of its loan officers. They have also been honored with awards such as MEM Top 1, President's Club, and recognition in the Scotsman Guide's Top Originators lists for consecutive years. These awards underscore Guild Mortgage's commitment to quality service, competitive offerings, and customer satisfaction. Their consistent recognition by industry publications and organizations highlights their standing as a reliable and high-achieving mortgage provider.Guild Mortgage ServicesGuild Mortgage offers a comprehensive suite of mortgage services designed to cater to a wide array of homebuyer needs. This includes options for purchasing a first home, refinancing an existing mortgage, and exploring specialized loan programs such as those for military service members or high-cost markets. They provide various loan types, including fixed-rate and adjustable-rate mortgages, and offer tools like mortgage calculators to help clients understand their financial options. Guild Mortgage also supports homebuyers with resources for down payment assistance and guidance on navigating the complexities of home financing. Their service areas are nationwide, with a focus on providing personalized solutions and expert advice to ensure clients secure the most suitable loan program.Unique AdvantagesGuild Mortgage distinguishes itself through its extensive experience, having been in the mortgage industry for over 15 years, with a particular focus on educating clients. They offer a broad spectrum of loan programs tailored to diverse needs, including specialized options for first-time homebuyers and those relocating. The company emphasizes a personalized approach, with loan officers dedicated to understanding individual client goals and structuring plans accordingly. Furthermore, Guild Mortgage actively engages in community support through initiatives like Guild Giving, demonstrating a commitment beyond financial transactions.

View Profile
(541) 343-1995
Closed Now
1600 Valley River Dr #330, Eugene, OR 97401
7

Strategic Mortgage Solutions

Known for its personalized approach, Strategic Mortgage Solutions connects Eugene-area clients with a wide range of mortgage options, including FHA, VA, Jumbo, and renovation loans. The team is praised for being responsive and knowledgeable, guiding borrowers smoothly through complex lending processes while staying available and accountable throughout the journey.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(541) 275-1148
Closed Now
2400 River Rd Suite 103, Eugene, OR 97404
General Services
Mortgage Lending
8

Stepping Stone Mortgage

Stepping Stone Mortgage specializes in navigating complex mortgage situations, including reverse mortgages and construction loans. The team offers FHA, VA, and conventional financing with a hands-on approach that customers find both knowledgeable and responsive. Some note that the process can be detailed, but the agents stay accessible and supportive throughout.

View Profile
(541) 683-3300
Closed Now
1140 Willagillespie Rd Ste 13, Eugene, OR 97401
9

Michael Hanks, Loan Officer

Licensed in Idaho and Oregon, this mortgage team offers a broad range of loan options including Conventional, FHA, VA, Jumbo, HELOC, Non-QM, and Reverse Mortgages. Clients appreciate the clear communication and helpful tools that make the home financing process easier to understand, though some find the variety of choices a bit overwhelming at first.

Services & Prices
Loan Structuring Quoted per loan
Debt Restructuring Quoted per loan
Interest Rate Comparison Quoted per loan
View Profile
(541) 844-6165
Closed Now
2725 Delta Oaks Dr, Eugene, OR 97408
General Services
Home Loan Services
10

Western Mortgage Brokers, Inc.

With over 25 years of experience, Western Mortgage Brokers, Inc. specializes in a wide range of loan programs, including options for first-time buyers, investors, and refinancing. Their team offers free consultations and pre-qualifications, working through online, phone, or in-person meetings. Customers appreciate their responsive communication and smooth handling of complex transactions.

Services & Prices
Home Purchase Mortgage Quoted per loan
Mortgage Refinance Quoted per loan
FHA Loans Quoted per loan
View Profile
(541) 953-4903
Closed Now
142 W 8th Ave, Eugene, OR 97401
General Services
Mortgage Services

Eugene Mortgage Statistics

Home-purchase lending in Lane County and home costs in Eugene, OR (latest HMDA and Census data)

Lenders made 3,635 home-purchase loans in Lane County in 2025 (average about $389,000) and denied 406 — 10% of decided applications, compared with 10% across Oregon, according to federal mortgage data (HMDA, CFPB). In Eugene, the median home is worth $460,400 and 63% of owners have a mortgage, paying a median $2,119 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
3,635▲ 8%3,381 in 2024
Denial rate
10%OR 10%
Median home value
$460,400OR $477,600
Monthly cost with a mortgage
$2,119median · OR $2,157
Refinance loans made (Lane County, 2025)
2,176 · 1,442 in 2024
Home-improvement loans made (2025)
1,102
Average home-purchase loan
$389,000 (OR $476,000)
Owners with a mortgage
63% · 32% of them spend 30%+ of income on housing
Median household income
$66,562 (OR $83,011)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Lane County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Eugene Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Guild Mortgage - Ladelle White 5.0 228 — (541) 343-1995 Visit
2 Paramount Mortgage Company 5.0 142 Quoted per loan (541) 684-0027 Visit
3 Summer Freeman, NMLS# 360504- Mortgage Marketplace 5.0 116 Quoted per loan (541) 654-6158 Visit
4 Eugene Mortgage Brokers 4.9 109 Quoted per loan (541) 972-8620 Visit
5 American Pacific Mortgage 4.9 99 Quoted per loan (541) 342-7576 Visit
6 Guild Mortgage - Trevor Nissen 5.0 77 — (541) 343-1995 Visit
7 Strategic Mortgage Solutions 4.9 71 Quoted per loan (541) 275-1148 Visit
8 Stepping Stone Mortgage 5.0 67 — (541) 683-3300 Visit
9 Michael Hanks, Loan Officer 5.0 39 Quoted per loan (541) 844-6165 Visit
10 Western Mortgage Brokers, Inc. 4.7 26 Quoted per loan (541) 953-4903 Visit

How this Eugene mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Oregon rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.79% of the home's value a year, the Oregon average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

9 questions
How does the Eugene mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate, including PMI and property tax.
How accurate is the mortgage affordability estimate?
The estimate is a guideline. A lender's pre-approval confirms accuracy by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Oregon?
Lenders typically cap housing costs at 31% and total debts at 43% of gross monthly income; some loans allow more with strong credit.
What is the minimum down payment for a first-time buyer in Eugene?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans; VA and USDA loans may allow 0% down.
How do interest rates affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the maximum home price you can afford. Rates change weekly.
How do debts impact my mortgage eligibility in Oregon?
Higher monthly debts reduce the amount you can borrow, as lenders consider total debt payments against your income.
What is the property tax rate in Eugene, Oregon?
Property tax is about 0.79% of the home's value annually, based on the 2024 Oregon average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying your financial details for a specific loan amount, while pre-qualification is an initial estimate based on unverified information.
What does a mortgage broker do?
A mortgage broker connects borrowers with lenders, helping find loan options that suit the borrower's needs and qualifications.

General information, not financial advice — consult a qualified professional.