Mortgage Options

Maximize your home’s equity by applying for a Reverse Mortgage in Eugene. A loan reserved for senior homeowners, this mortgage allows you to convert part of your home equity into cash. You may even use the money for your everyday expenses. Learn more about reverse mortgages by contacting PRMI Eugene.*

*This ad is not from HUD or FHA and was not approved by HUD or any government agency.

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Are you ready to become a homeowner? Get an understanding of your finances and learn which areas you can improve on to qualify for a conventional or government-insured mortgage. Contact us to sign up for a pre-qualification in Eugene. This is your first step toward becoming a homeowner in Oregon.  APPLY TODAY

Get approved for a mortgage even if your credit score is below 600. Traditional banks may reject your application for a home loan based on your credit rating, however, you may be eligible a Low Credit loan in Eugene. You may even be eligible for a down payment for as little as 3.5 per cent.  APPLY TODAY

Can’t find the perfect house for your family? Design and build your dream home. Apply for a New Construction loan in Eugene to purchase a lot and fund the materials and labor costs of building your dream. APPLY TODAY

Close on your new house without breaking the bank with Down Payment Assistance in Eugene. Whether you’re a first-time homebuyer or looking to purchase a new primary residence, you may be able to get a zero-down-payment mortgage. Learn which programs you qualify for by speaking with a PRMI Eugene today.*

*First lien interest rates maybe higher when using a DPA second.

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Ease the financial burden of buying your first home by applying for the First-Time Homebuyer assistance program in Eugene. This mortgage option can give you one of the lowest down payments and interest rates anywhere. Our loan officers at PRMI Eugene can help you decide which home loan is best for you. APPLY TODAY

Pay off your existing mortgage and replace it with a better one through mortgage refinancing. You can reduce your monthly payments by lowering your interest rate. You can also refinance your mortgage in Eugene to adjust your monthly payment schedule, with the goal of being debt-free as soon as possible.  APPLY TODAY

Take advantage of the home loan program at the Department of Veterans Affairs if you’re a serviceman, veteran or military spouse. VA loans in Eugene do not require monthly insurance premiums. The down payment may also be waived if the home’s sale price is lower than its appraised value. Learn more from our loan officers.*

*Closing costs and fees may still apply.

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Are you a first-time homebuyer? Apply for a low-interest, fixed-rate FHA loan in Eugene. This type of loan provides more flexibility with your credit rating, income range, and co-signer qualifications than a conventional bank loan. With an FHA loan, you can close on your dream house and pay as little as 3.5 per cent down.

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You can buy a house with zero down if you qualify for a USDA loan. This loan is exclusive to buyers who are eyeing houses in eligible, rural locations. You may use the loan to buy a new house, renovate and repair an existing dwelling, or install energy-efficient home features. Contact us to apply for a USDA loan in Eugene.*

*Closing costs and fees may still apply.

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Take advantage of the low interest rates of Conventional loans in Eugene. It may be necessary to make a down payment of up to 20 percent, but you’ll benefit from the lower monthly amortizations. You will also avoid the added expense of private mortgage insurance (PMI). Learn more about conventional mortgages at PRMI Eugene. APPLY TODAY