Home Loans

There's no place like your own home

Whether you're looking to purchase a new home or would like to refinance or take equity out of an existing home, we have the loans for you with minimal fees, low interest rates and flexible payment plans. Our lending team and trusted business partners will work with you to find the best loan options to fit your personal needs.

Home Mortgages & Refinances

Whether you’re looking to purchase a new home or are interested in refinancing your current home, we have you covered. We’ve partnered with Consolidated Community Credit Union to provide you a variety of mortgage solutions guaranteed to fit your needs.

Get started now – contact our Lending Team at [email protected] or at 503.546.5000 to learn more about or apply online today.

Click here to apply for or refinance your first mortgage

Home Equity Loans (Fixed)

Loan to Value (LTV, with Autopay)

Loan Period

APR* (as low as)

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

70%

1 - 7 years

6.00%

70%

8 - 15 years

6.25%

80%

1 - 7 years

6.50%

80%

8 - 15 years

6.75%

90%

1 - 7 years

6.75%

90%

8 - 15 years

7.25%

  • Fixed rate
  • No annual fee
  • 90% Loan to Value (LTV)
  • Start to finish processing in 10 to 14 business days
  • Interest is often tax deductible*
  • Loans available for up to $250,000
  • Terms up to 15 years

Apply Now

Home Equity Line of Credit (Fixed)

Loan to Value (LTV)

Loan Terms

APR* (as low as)

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

70%

2 year draw, 10 year repayment 

6.50%

80%

2 year draw, 10 year repayment 

7.00%

90%

2 year draw, 10 year repayment 

8.00%

  • Fixed and Variable rates available
  • No annual fee
  • 90% Loan to Value (LTV)
  • Start to finish processing in 10 to 14 business days
  • Open, revolving Line of Credit for the first 2 years
  • Interest is often tax deductible*
  • Loans available for up to $250,000
  • Converts to a 10 year term loan after the 2nd year

Apply Now

Home Equity Line of Credit (Variable)

Loan to Value (LTV)

Loan Terms

APR* (as low as)

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

70%

7 year draw, 15 year repayment

6.50%

80%

7 year draw, 15 year repayment

7.00%

90%

7 year draw, 15 year repayment

7.75%

  • Fixed and Variable rates available
  • No annual fee
  • 90% Loan to Value (LTV)
  • Start to finish processing in 10 to 14 business days
  • Open, revolving Line of Credit for the first 2 years
  • Interest is often tax deductible*
  • Loans available for up to $250,000
  • Converts to a 15 year term loan after the 7th year

Apply Now

For Lenders

Please use this Subordination Checklist and Subordination Agreement when submitting packets to Point West.

Questions? Please contact the Point West Lending Team for assistance.

503.546.5000
[email protected]

Disclosures

*While interest is typically tax deductible, please check with a tax advisor to confirm deductions before taking on any loans.

The interest rate a member pays is based on the member’s credit worthiness, credit history, loan-to-value ratio and term of the loan.Minimum Line of Credit for the Fixed HELOC is $5,000. For lowest rate, loan payments must be made via automatic payment. Rate is 0.25% higher for non-auto pay loan payments.

To qualify for a HELOC, a member must have sufficient home equity to qualify for minimum line of $5,000. Rates change the 1st day of the following month after Prime Rate index changes. Minimum payment: 1% of outstanding balance. The margin connected to Prime Rate is determined by credit score.

NMLS ID #440206

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