--- title: "PierPoint Mortgage in Portland, OR | $0 Broker Fee, 24-Hour Pre-Approval" description: "Portland, Oregon mortgage broker compares 100+ wholesale lenders. FHA, VA, conventional, jumbo. 24-hour pre-approval. Call (971) 251-4266 for a free rate comparison." author: "PierPoint Mortgage" date: "2026-05-20" tags: ["mortgage broker Portland"] canonical: "https://pierpointmortgage.com/locations/portland-or/" last_updated: "2026-06-10" --- # PierPoint Mortgage in Portland, OR | $0 Broker Fee, 24-Hour Pre-Approval **By PierPoint Mortgage** | May 20, 2026 Portland, Oregon mortgage broker compares 100+ wholesale lenders. FHA, VA, conventional, jumbo. 24-hour pre-approval. Call (971) 251-4266 for a free rate comparison. --- Mortgage Broker · Portland, Oregon Serving Portland homebuyers from our Muskegon, Michigan headquarters — fully licensed in Oregon, 100+ wholesale lender partners, $0 broker fees, 24-hour pre-approval. [Call (971) 251-4266](tel:+19712514266)[Apply Online — 10 Min](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y) ★★★★★ 4.9 · 152 reviews·NMLS #112844·Founded 2003 · 20+ years SERVICE AREAS ## Proudly Serving [Oregon](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/) & the Top 15 Metros Our licensed mortgage team has helped **thousands of Oregon homebuyers** compare rates from 100+ wholesale lenders. Click any city below to see local loan limits, rates, and FHA programs — or call [(971) 251-4266](tel:+19712514266). [📍Portland](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-portland-or/)[📍Salem](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-salem-or/)[📍Eugene](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-eugene-or/)[📍Gresham](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-gresham-or/)[📍Hillsboro](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-hillsboro-or/)[📍Beaverton](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-beaverton-or/)[📍Bend](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-bend-or/)[📍Medford](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-medford-or/)[📍Springfield](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-springfield-or/)[📍Corvallis](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-corvallis-or/)[📍Albany](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-albany-or/)[📍Tigard](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-tigard-or/)[📍Lake Oswego](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-lake-oswego-or/)[📍Keizer](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-keizer-or/)[📍Grants Pass](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-grants-pass-or/) ABOUT THIS LOCATION ## About Our Portland, OR Mortgage Services Oregon markets are tight: Portland metro and Bend lead price-per-square-foot statewide; rural and coastal pricing varies widely. PierPoint Mortgage helps Portland homebuyers win in this market by comparing rates across 100+ wholesale lenders, securing 24-hour pre-approvals that real estate agents trust, and structuring loans (FHA, VA, conventional, jumbo, DSCR) tailored to Oregon’s loan limits and regulatory environment. We’re licensed by the Oregon Division of Financial Regulation and have been originating mortgages in Oregon since 2003. While our headquarters is in Muskegon, Michigan, our entire process is digital — application, document upload, e-signature, and closing coordination all happen remotely. Portland clients don’t need to visit a physical office. LOAN OPTIONS ## Mortgage Products Available in Portland, OR [Conventional Loans3% down · Conforming + high-balance limits · Best for credit 680+](https://pierpointmortgage.com/conventional-loans/) [FHA Loans3.5% down · Oregon county loan limits · Credit 580+](https://pierpointmortgage.com/fha-loans/) [VA Loans$0 down for veterans · No PMI · No loan cap for 100% entitlement](https://pierpointmortgage.com/va-loans/) [Jumbo LoansUp to $3M+ · Best for homes above conforming limits](https://pierpointmortgage.com/jumbo-loans/) [DSCR Investor LoansNo income verification · Based on rental cash flow](https://pierpointmortgage.com/dscr/) [RefinancingCash-out, rate-and-term, FHA streamline · Compare 100+ lenders in 24 hours](https://pierpointmortgage.com/mortgage-refinancing/) FREQUENTLY ASKED ## Portland Mortgage Questions ### What are current mortgage rates in Portland, OR? Mortgage rates in Portland track national rates but vary by loan type, credit score, and down payment. PierPoint Mortgage compares quotes from 100+ wholesale lenders in real time. [Call (971) 251-4266](tel:+19712514266) for today’s rate. ### How much do I need for a down payment in Portland? Down payment minimums in Portland depend on loan type: 3% conventional, 3.5% FHA, 0% VA (for eligible veterans). Oregon also has state-level down-payment-assistance programs that can lower out-of-pocket costs significantly. ### Is PierPoint Mortgage licensed in Oregon? Yes — PierPoint Mortgage LLC (NMLS #112844) is licensed by the Oregon Division of Financial Regulation to originate residential mortgages in Oregon, including Portland and all surrounding service areas. ### Do I need to come to your office in person? No. Our entire process is digital — application, document upload, e-signature, and closing. Portland clients work entirely with our team by phone, email, and our secure online portal. No in-person office visit required. ### How long does pre-approval take for a Portland home? 24 hours for most files. Submit your documents in our portal Monday morning, get your pre-approval letter by Tuesday morning — ready for your real estate agent to use on Portland listings the same week. GET STARTED ## Ready to Get Pre-Approved in Portland? See your real rate from 100+ wholesale lenders. Most Portland first-time buyers pay $0 in broker fees. Pre-approval in 24 hours. [(971) 251-4266 — Free Rate Comparison](tel:+19712514266) [Apply Online](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y) · [Quick Quote](https://pierpointmortgage.com/quick-quote/) NMLS #112844 · Licensed in Oregon · [NMLS Consumer Access](https://nmlsconsumeraccess.org/) --- **Shopping a mortgage in one of our 15 states?** PierPoint Mortgage is an independent brokerage, NMLS #112844, licensed since 2003. We compare wholesale rate sheets from 100+ lenders instead of selling one bank's products, and give you a written quote before you commit to anything. - Free rate comparison: (231) 737-9911 - Apply: https://pierpointmortgage.com/apply/ - Full page: https://pierpointmortgage.com/locations/portland-or/