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OR Mortgage Refinance in Oregon

We make it easy to get the lowest mortgage refinance interest rate in OR.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, OR residents can be on the way to a lower interest rate, a lower monthly payment, or switching from an adjustable rate mortgage to a fixed rate mortgage.

When Should I Refinance?

The best time to refinance is when interest rates in Oregon drop below the rate of your current mortgage.  With a lower interest rate, you'll save money on your mortgage payment every month.  Be sure to read our article titled Reasons to Refinance Now.

Turn Your Adjustable Rate into a Fixed Rate

With adjustable rates on the rise OR residents can benefit greatly from refinancing your home for a low fixed rate.  These benefits include a lower monthly mortgage payment, and the security of knowing your mortgage payment won't increase.

Cash-Out Refinancing

Using the equity in your home, you can refinance your mortgage for a higher amount than your current principal balance and receive the extra funds as cash.  You can use this money however you would like, including, remodeling your home, paying off high-interest rate credit cards, paying off student loans, or consolidating all your debt.  How much cash out you can receive by refinancing depends largely upon the principal balance remaining on your mortgage and the amount of equity in your home.

Eliminate PMI

Private Mortgage Insurance is usually required if your downpayment on your home was less than 20 percent.  If your home equity has increased since your purchase, you may have enough equity to elimate that PMI payment by refinancing your mortgage.

Save Thousands in Interest

When you refinance your home you can decide to switch your mortgage to a shorter term, such as 10, 15, or 20 years.  Depending on how much lower the refinance rate is, you will likely pay more per month for this shorter term home loan.  However, in the long-term you are saving thousands in interest.  And because more of your monthly mortgage payment goes towards the principal, your home equity will increase much quicker.

Mortgage Refinance Calculators

Mortgage Payment Calculator
Refinance Savings Calculator
Refinance APR Calculator
Refinance Points Calculator 

Refinance Articles

Reasons to Refinance Now
Beat the Subprime Mortgage Crisis 

Local bad credit mortgage refinance directory for OR :
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
Adams Allegany Arch Cape Astoria
Adel Alsea Arlington Athena
Adrian Alvadore Arock Aumsville
Agness Amity Ashland Aurora
Albany Antelope Ashwood Azalea

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Julie McCauley counts herself lucky. When she began her career as a Spanish teacher at North Eugene High School 23 years ago, two experienced colleagues 'kind of took me under their wing,' she said, steadying ...


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Oregon Sen. Gordon Smith was for the Iraq war before events turned him against it.


Oregon man pleads guilty to daughter's murder

An Oregon man pleaded guilty to the murder of a daughter who died last year from injuries she sustained as a 6-year-old girl in 1991.


Oregon native to head back to space

Astronaut Don Pettit is heading back to space. Pettit, a native of Silverton, will be aboard the next space shuttle mission to the International Space Station, his second trip to space.


Washington weighs lethal meds for terminally ill

The emotionally charged battle over end-of-life decisions has taken to the airwaves as Washington state voters decide whether to allow doctors to prescribe lethal medication to terminally ill patients.

Recent TV and radio ads by opponents feature actor Martin Sheen, who calls the measure a 'dangerous idea' that could be used by the most vulnerable in society. Supporters are on TV with an ad spotlighting a widow who says it lets those who are suffering have control over their final days.

With both sides having raised a combined $3.5 million, much of it still unspent, more ads are expected in the coming weeks.


Ore. wine pioneer David Lett dies at 69

Pioneering Oregon winemaker David Lett, widely considered the father of Oregon's thriving pinot noir industry and a major force in winning worldwide respect for this state's wines, has died. He was 69.

Lett died of heart failure Thursday at his home in Dundee, said his son, Jason Lett.

Lett was the first to plant the pinot noir grape in Oregon's Willamette Valley, more than four decades ago. His was also the first to plant pinot gris in the United States, his family said.

Since then, Oregon's pinot noir industry has boomed, earning a reputation for quality worldwide.


Smith, Merkley clash in first debate

In the first debate of their neck-and-neck race, Republican Sen. Gordon Smith and Democratic challenger Jeff Merkley clashed last night over issues ranging from the Wall Street meltdown to global warming.


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DMV will be unable to issue licenses on Saturday

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Wyden boosts fellow Democrat Merkley in new ad

Oregon Democratic Sen. Ron Wyden is known for a close working relationship with Republican Sen.


Non-unanimous jury verdict stands, may affect Oregon

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Oregon school bans Insane Clown Posse items

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Mexican police found guilty in Ore. man's death

27 death of an Oregon tourist, The Oregonian newspaper reported Tuesday. Sam Botner, 38, of Yoncalla, died less than an hour after he was taken to jail after stabbing another resident at a condominium in the ...


Many asking for suicide help may be depressed

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A rare black rhinoceros has died while in transit from Kansas City to Oregon. Zookeepers in Portland had planned to breed the 8-year-old female - named Kipenzi - with the Oregon Zoo's male black rhino.


Police identify man swept off Newport jetty

A man waves to a Coast Guard rescue crew from the south jetty at Newport Sunday.


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