Notice: We are not currently offering home equity products in Oregon.View states where we are licensed.
Oregon HELOC & Home Equity Loans
Access your home's equity with competitive rates for Oregon homeowners. Serving Portland, Eugene, Salem, and communities across the beautiful Pacific Northwest.
Current Oregon Rates
Competitive rates for OR homeowners - Updated daily
HELOC Rates
Variable rate, interest-only payments during draw period
- Credit lines up to $500,000
- 10-year draw period
- Interest-only payments available
Home Equity Loan
Fixed rate with predictable monthly payments
- Loans up to $400,000
- Fixed monthly payments
- Rate locked for life of loan
Oregon Housing Market Insights
Portland Metro
Eugene-Springfield
Salem-Corvallis
Oregon HELOC & Home Equity FAQ
What are the requirements for a home equity loan in Oregon?
Oregon requires primary residence occupancy, limits loans to 80% loan-to-value ratio, requires comprehensive income verification, and mandates licensed appraisals. All loans must comply with Oregon banking regulations and federal laws.
How has Portland's growth affected home equity in Oregon?
Oregon has experienced significant appreciation, particularly in Portland metro area driven by tech growth and population migration. This appreciation may have substantially increased your available equity throughout the state.
Are rates different between Portland, Eugene, and rural Oregon?
Our rates are consistent throughout Oregon, though loan amounts may vary based on local property values. Portland and surrounding areas typically support higher loan amounts due to elevated home values, while maintaining competitive rates statewide.
Does Oregon have any unique home equity lending regulations?
Oregon follows federal guidelines with state oversight by the Oregon Division of Financial Regulation. Our loans comply with all Oregon consumer protection laws and federal lending requirements including Truth in Lending Act provisions.