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Review Keywords Analysis

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

Mortgage Affordability Calculator Portland, OR

How much house can you afford in Portland? 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 Portland

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

1

GO Mortgage

Known for a thoughtful approach and clear communication, GO Mortgage helps clients navigate home financing and refinancing with care. The team works closely with clients and financial advisors to find suitable mortgage options, often guiding first-time buyers and newcomers through the process. Customers appreciate their responsiveness and steady support throughout.

View Profile
(800) 444-7283
Closed Now
13010 SW 68th Pkwy Ste 145, Portland, OR 97223
2

Matt Jolivette - Associated Mortgage Brokers

Known for securing competitive mortgage rates, Associated Mortgage Brokers guides clients through the loan process with clear communication and attentive support. The team helps identify the best lending options to fit specific needs and works diligently to close loans on time. Customers appreciate their responsiveness and thorough explanations throughout.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
FHA Loans Quoted per loan
View Profile
(503) 545-8843
Closed Now
13535 SW 72nd Ave #140, Portland, OR 97223
General Services
Mortgage Brokerage
3

Steph Noble at CrossCountry Mortgage | NMLS# 129002

CrossCountry Mortgage specializes in personalized mortgage solutions, including home purchase loans, refinancing, and unique programs like CCM Smart Start and Bye-Bye PMI. The team is known for clear communication and supportive service, especially valued by first-time buyers navigating the complexities of homeownership.

Services & Prices
First-Time Homebuyer Loans Quoted per loan
FHA Loans Quoted per loan
Diverse Team Representation $0 - $0
Community Integration Resources $100 - $300
View Profile
(503) 780-4924
Closed Now
1737 NE Alberta St Suite 205, Portland, OR 97211
General Services
Mortgage Services
4

Mortgage Monkey - Gary Boyer, Sr. Loan Officer & Certified Mortgage Planner | NMLS# 57785

Mortgage Monkey offers mortgage planning with a Certified Mortgage Planner on staff, providing clear guidance through home buying and refinancing. The team assists clients with personalized support and reasonable rates, often noted for their patience and attention to detail. Some clients mention initial hesitation but appreciate the smooth, empathetic process.

Services & Prices
Mortgage Refinancing Quoted per loan
First-Time Buyer Assistance Quoted per loan
View Profile
(503) 807-3925
Closed Now
1325 NW Flanders St, Portland, OR 97209
General Services
Mortgage Services
5

Mortgage Trust, Inc.

Mortgage Trust, Inc. specializes in guiding first-time homebuyers and those refinancing with clear, patient support throughout the mortgage process. The team helps clients understand each step and navigate paperwork, making complex details more manageable. Customers appreciate the friendly, attentive service, though the process can require patience.

Services & Prices
Refinancing Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
View Profile
(503) 488-1800
Closed Now
4386 S Macadam Ave #302, Portland, OR 97239
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

NW Premier Mortgage, Inc

With roots dating back to 2003, NW Premier Mortgage focuses on simplifying the mortgage process through clear guidance and personalized support. Their team assists with pre-qualification, loan applications, and refinancing, providing helpful online tools and resources. Customers appreciate their responsiveness and thorough communication, especially during complex financing steps.

View Profile
(503) 972-4900
Closed Now
2154 NE Broadway #120, Portland, OR 97232
7

Evergreen Home Loans Portland NMLS 2386464

About This ApplicationThis document describes a runtime error encountered on a web server. The error message indicates that the application's custom error settings are preventing detailed error information from being displayed to remote users for security reasons. To view these details remotely, the configuration file 'web.config' needs to be modified to set the 'customErrors' mode to 'Off'. The… more...

About This ApplicationThis document describes a runtime error encountered on a web server. The error message indicates that the application's custom error settings are preventing detailed error information from being displayed to remote users for security reasons. To view these details remotely, the configuration file 'web.config' needs to be modified to set the 'customErrors' mode to 'Off'. The document also provides guidance on how to replace the default error page with a custom one by specifying a 'defaultRedirect' URL within the 'customErrors' tag.CredentialsThe document focuses on technical configuration for error handling rather than business-specific credentials. It outlines the necessary steps to adjust server settings for error message visibility and customization. This involves modifying the 'web.config' file, a standard practice in web application development for controlling application behavior and error reporting.Application OfferingsThe primary offering described is the ability to configure error reporting for a web application. This includes enabling detailed error messages for debugging purposes by setting 'customErrors mode="Off"' and customizing the error page displayed to users by setting 'defaultRedirect'. These configurations are crucial for developers and system administrators to manage application stability and user experience during error events.Unique AdvantagesThe key differentiator highlighted is the security feature that by default prevents remote viewing of detailed error messages. This is a standard security practice to avoid exposing sensitive application information to potential attackers. The document explains how to override this default behavior for debugging purposes, emphasizing the control developers have over error reporting visibility.

View Profile
(971) 265-4825
Closed Now
3041 N Williams Ave, Portland, OR 97227
8

Jordan Lee Mortgage

Certified Mortgage Advisor Jordan Lee focuses on guiding first-time homebuyers through the mortgage process with clear, patient explanations and responsive communication. The team offers personalized mortgage advice and resources like a podcast and blog, helping clients feel informed and supported from start to finish.

Services & Prices
Conventional Loan Quoted per loan
Bank Statement Loan Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
Refinancing Options Quoted per loan
View Profile
(503) 887-3619
Closed Now
4386 S Macadam Ave #302, Portland, OR 97239
General Services
Mortgage Services
9

Tammy Wittren at Rate (NMLS 113328)

Known for quick 5-minute pre-approvals and a Same-Day Mortgage program, this team offers a variety of loan options including VA, FHA, Jumbo, and specialized loans for self-employed and foreign nationals. Customers appreciate their clear communication, patience, and guidance throughout the mortgage process, especially first-time buyers.

Services & Prices
Pre-Approval Quoted per loan
Home Loan Application Quoted per loan
Loan Closing Quoted per loan
Need Analysis Quoted per loan
View Profile
(503) 970-0761
Closed Now
1300 SE Stark St #111, Portland, OR 97214
General Services
Mortgage Services
10

PDX Home Loan

Specializing in a strategic, long-term approach to mortgages, PDX Home Loan helps clients use home loans as tools for building wealth rather than just debt. Their services include purchase loans, refinancing, and specialized programs like FHA and VA loans, with ongoing market monitoring after closing. Clients appreciate the team’s clear communication and thoughtful guidance throughout the process.

View Profile
(503) 445-6033
Closed Now
4380 S Macadam Ave Ste 150, Portland, OR 97239

Portland Mortgage Statistics

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

Lenders made 7,790 home-purchase loans in Multnomah County in 2025 (average about $502,000) and denied 671 — 8% of decided applications, compared with 10% across Oregon, according to federal mortgage data (HMDA, CFPB). In Portland, the median home is worth $581,500 and 72% of owners have a mortgage, paying a median $2,559 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
7,790▲ 5%7,405 in 2024
Denial rate
8%OR 10%
Median home value
$581,500OR $477,600
Monthly cost with a mortgage
$2,559median · OR $2,157
Refinance loans made (Multnomah County, 2025)
3,606 · 2,491 in 2024
Home-improvement loans made (2025)
1,812
Average home-purchase loan
$502,000 (OR $476,000)
Owners with a mortgage
72% · 30% of them spend 30%+ of income on housing
Median household income
$90,919 (OR $83,011)

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

Portland Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 GO Mortgage 4.9 620 — (800) 444-7283 Visit
2 Matt Jolivette - Associated Mortgage Brokers 5.0 284 Quoted per loan (503) 545-8843 Visit
3 Steph Noble at CrossCountry Mortgage | NMLS# 129002 5.0 242 $100 (503) 780-4924 Visit
4 Mortgage Monkey - Gary Boyer, Sr. Loan Officer & Certified Mortgage Planner | NMLS# 57785 5.0 126 Quoted per loan (503) 807-3925 Visit
5 Mortgage Trust, Inc. 5.0 124 Quoted per loan (503) 488-1800 Visit
6 NW Premier Mortgage, Inc 4.9 86 — (503) 972-4900 Visit
7 Evergreen Home Loans Portland NMLS 2386464 5.0 84 — (971) 265-4825 Visit
8 Jordan Lee Mortgage 5.0 80 Quoted per loan (503) 887-3619 Visit
9 Tammy Wittren at Rate (NMLS 113328) 5.0 74 Quoted per loan (503) 970-0761 Visit
10 PDX Home Loan 5.0 71 — (503) 445-6033 Visit

How this Portland 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

10 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can afford in Portland using income, debts, down payment, interest rate, and buyer status.
How accurate is the mortgage affordability estimate?
It's a general estimate. A lender's pre-approval confirms the real number after verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Oregon?
Lenders often cap housing costs at 31% and total debt at 43% of gross monthly income, though some loans allow higher ratios.
What is the minimum down payment for a house in Portland?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans; VA and USDA loans may allow 0% down.
How does private mortgage insurance (PMI) affect affordability?
Under 20% down, PMI adds about 0.6% of the loan annually. It can usually be removed once the loan balance is below 80% of the home's value.
How do interest rates affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly, affecting affordability.
How do my debts impact the mortgage I qualify for?
Higher monthly debts lower the amount you can borrow, as lenders cap total debt payments at 43% of gross monthly income.
What are property taxes like in Oregon?
Oregon's property tax is about 0.79% of the home's value annually, based on owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-qualification is an initial estimate, while pre-approval involves lender verification of your financials, offering a more accurate loan amount.
What does a mortgage broker do?
A mortgage broker helps find loan options by connecting borrowers with lenders, potentially offering more choices than direct lenders.

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