Step 1 — Refi Goal
What's your main reason for refinancing?
This shapes which Oregon refinance program fits best.
📉Lower My Rate
Reduce monthly payment, save on interest
⏱Shorten My Term
Pay off faster, build equity sooner
💵Cash Out Equity
Tap equity for home improvement, debt, or other goals
🚫Remove PMI / MI
Drop mortgage insurance once equity hits 20%
🎖VA Streamline (IRRRL)
Veteran refinancing an existing VA loan
🔍Not Sure Yet
Let's figure out what makes sense
Step 2 — Home Value
What's your home's estimated current value?
A rough estimate is fine — this determines your loan-to-value ratio.
Step 3 — Equity
How much equity do you have in your home?
Equity = home value minus what you owe. An estimate is fine.
📊Less than 10%
Relatively new loan or low appreciation
📊~10 – 20%
Approaching PMI removal threshold
📊~20 – 40%
Solid equity position
📊40 – 60%
Strong equity — cash-out eligible
📊Over 60%
Excellent equity position
Step 4 — Credit
What's your approximate credit score?
Your best estimate is fine — no credit pull happens here.
⭐720 or above
Excellent — best refi rates
⭐680 – 719
Very good — strong options
⭐620 – 679
Good — conventional or FHA refi eligible
⭐580 – 619
Fair — FHA streamline may work
⭐Below 580
Let's talk — some options remain
Step 5 — Employment
What's your employment situation?
This helps us understand how to document your income for the refinance.
💼W-2 Employee
Salaried or hourly
🧾Self-Employed
Business owner or 1099
🌅Retired
Pension, Social Security, or investments
📋Other
Contract, part-time, etc.
Your Recommendation
Here's your Oregon refi match
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