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Portland home loansPortland Mortgage & Home Loans
Portland financing, ADUs and older stock included.
The Portland market — and how we finance it.
Portland's market is shaped by the urban growth boundary, which constrains supply, and by a housing stock that skews older — bungalows and foursquares dominate many inner neighborhoods. Accessory dwelling units are unusually common here and raise financing and appraisal questions most lenders handle poorly.
Technology and creative professionals, first-time buyers in the inner neighborhoods, self-employed borrowers, and investors financing ADUs and small multifamily.
Licensed in Oregon. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in Portland.
Portland mortgage questions.
Can you finance a property with an ADU?
Yes, and it comes up often in Portland. Whether the ADU's rental income can help you qualify depends on the program and how the unit is permitted — we sort that out before you're under contract.
Is financing an older Portland home different?
Condition drives it more than age. Foundations, knob-and-tube wiring, and roofs are the usual appraisal items. We flag likely issues early rather than late.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving Portland, Oregon and the surrounding market.
Buying or refinancing in Portland?
Start a quick, no-pressure application and we'll map the right path for your Portland purchase or refinance.