• No matter what type of loan you need, we're with you every step of the way.

    No matter what type of loan you need, we're with you every step of the way.

  • The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

  • Let Affordable Terms Mortgage be the stepping stone to the home of your dreams.

    Let Affordable Terms Mortgage be the stepping stone to the home of your dreams.

  • REFINANCING is easy with our  licensed loan originators help.

    REFINANCING is easy with our  licensed loan originators help.

Program Rate / APR
15 Year Fixed 1.875% / 1.989%
15 Year Fixed 1.99% / 2.107%
30 Year Fixed 2.5% / 2.653%
Cash-out REFI 30 YR 2.625% / 2.738%
30 YR Home Possible 3% Down 2.625% / 2.761%
30 Year Fixed Jumbo 2.875% / 2.989%
Get Started About These Rates

APPLY ONLINE
FROM THE COMFORT OF YOUR OWN COMPUTER!
LOAN ESTIMATES ARE FREE!
LOCAL * AFFORDABLE * TRUSTED *
PARTNERED WITH ROCKET PRO TPO #1 LENDER


15 yr. Fixed 1.875
%
 
Apr. 1.989%

CLOSING TIME LINES:
REFINANCE 14-21 
NEW HOME PURCHASE
18-30 DAY CLOSINGS!

 You cannot lock in the rate without your application being verified & registered 

SEE IF YOUR RATE AND TERM REFINANCE NEEDS AN APPRAISAL? 
IT'S NEW! 
IT'S GREAT!
IT'S PROPETY HUB!
DO YOU KNOW THE VALUE OF YOUR PROPERTY??

INSTANT ESTIMATED VALUE PROPERTY EVALUATION!




WHY PAY RENT? ASK  ABOUT THE 
3% Down - 1st Time Home Ready
Program With Certification
30 YR Fixed 2.625% 
APR: 2.761%

 QUICK Closings 21-30 days
LOCAL, TRUSTED AND AFFORDABLE 
PARTNERED WITH
ROCKET PRO TPO 

 

 CLICK ICON: APPLY NOW
It only takes 12 minutes on our verisecure website.


Once you have completed the online loan application, Call  online services: 503.305.7675 
Introduce yourself!
we will review your application and get RIGHT ON IT to qualify and approve your request immediatley!

 WHY SHOP RETAIL WHEN YOU CAN SHOP BROKER DIRECT!!!

WE OFFER NO OBLIGATION LOAN ESTIMATES(LE) WITHOUT PULLING YOUR CREDIT
We value your word!

PURCHASES AND REFINANCES CLOSE WITHIN 18 TO 30 DAYS 
LOCAL IN HOUSE PROCESSING PARTNERED WITH ROCKET PRO TPO!

GET YOUR RATE LOCKED IN TODAY! - OREGON PROPERTIES ONLY! 

SNEAK PEEK!
30 Yr. fixed 2.50% Apr 2.653% with Lender Credit Towards Closing Costs!

 **02/18/2021 loan amount: $275K - 80% loan to value**
JUMBO LOANS ARE BACK! 2.875% Apr 2.997% **based off of 02/18/2021 rates
 RATE AND TERM REFINANCE 30 YR. 2.50% Apr 2.653% **based off of 02/18/2021 rates

 Appraisal Waived - Loan To Value Rate and Term Refinance!
*Only for Primary Occupied and Secondary Homes with a LTV(Loan To Value) BELOW 80%*
Cashout refinance Loan to value 60%


# 1 QUESTION - WHY IS THE APR HIGHER?

Answer: the APR is the amortization of the interest rate over the term of the loan.
If NO additional payments are made during the loan payback terms.
If you make an extra payment or extra $$ towards your loan balance - the APR changes - it goes down!

During COVID-19:
Our priority is the health & safety of our clients, staff and their families. We are continually monitoring information regarding COVID-19 through the CDC (Center for Disease Control) and the WHO (World Health Origanization). Assisting clients by Appointment, Online and/or Telephone  Affordable Terms Mortgage OPEN for business from 9am to 9pm  Everyday. 
REALISTIC TIME FOR REALISTIC BORROWERS!
ATM is local and provides trusted, reliable, Afforable Interest rates and exceptional service.


Please Keep In Mind
*Closing costs vary from county to county in Oregon. 
* Lender Rebates off-set Closing Costs! Here's how: Multiply the lender rebate by your loan amount and equals the rebate the lender contributes to your closing costs! IT'S A WIN-WIN SITUATION!! 
WOW - YOURSELF WITH AN INCREDIABLE LOW INTEREST RATE.
IT'S YOUR RIGHT TO SHOP AND COMPARE! 

   Affordable Terms Mortgage takes great pride in sharing our knowledge with our clients.  First Time Home Buyers, Investors, Refinance, Second home purchase! ATM guides you step by step through the loan application process and helping YOU to reach your goals. Call today, over 20 years of experiance in loan originating. Let ATM loan officer guide you step by step into your first new home purchase or refinance of your current home. 

  Thank you for taking the time to explore the official website of Affordable Terms Mortgage LLC. We are a full service LOCAL BROKER - Portland Metro Family Owned and partnered with ROCKET PRO TPO!  ATM specializes in Affordable Conventional, FHA, JUMBO, Home Possible, Home Ready, ARMS and VA Mortgage Loans in Oregon. Whether you are buying a home or refinancing ANYWHERE IN OREGON,  AFFORDABLE TERMS MORTGAGE will help you realize your dream of home ownership and work hard to help you understand the home buying or refinancing process. Want to put more cash into your wallet? Do you dream about making home improvements?  Lowering your monthly mortgage debt or consolidating credit card debt? Affordable Terms Mortgage LLC.  will  guide you effortlessly to SAVING MONEY! The process is simple, quick and can be done from anywhere, home. office or your mobile phone.  ATM does not pull your credit report until you have completed the full online application and have spoken with a licensed loan originator from Affordable Terms Mortgage LLC. We value your word and this Saves you $$$.   

Affordable Terms Mortgage Values YOUR TIME!
we are committed to meeting your needs by
providing accurate mortgage information. It is our #1 Priority!

Disclosure: CREDIT IS NOT PULLED UNTIL A COMPLETE LOAN APPLICATION HAS BEEN RECIEVED, REVIEWED  WITH VERBAL OR WRITTEN PERMISSION OF APPLICANT. All loan applicants must meet and satisfy all underwriting conditional guidelines for Full Approval and PRIOR to funding. 

Testimonials

True Transperancy - Local and Quick Closings!
We had called our local banker we have been with for 25 years and the offer they gave us: 2.875% - 30 year fixed and $8,800 in closing costs - I contacted Affordable Terms Mortgage LLC ( a friend referred) and was provided a quote immediatley and encouraged to shop around! Whoever says that!
I went back to my local bank to get another quote.  Affordable Terms Mortgage closing costs were $4,000 Cheaper! That's right - and the interest rate was .875 higher at my local bank Instead of a 30 year fixed, and after explaining our long term plans, the loan originator suggested a 15 yr fixed at 1.99%. My payment would be the same as I was currently paying and I'd cut the terms in haft! I've always been loyal to my bank yet this quote was to good to pass up! We applied 09/03 and signed the papers on a Saturday - September 19th - closing costs $4,800.00 for a 15 year fixed at 1.99% and NO appraisal -
I AM A BELIEVER! We signed and closed in 16 days from start to finish. 
I trust Affordable Terms Mortgage LLC.


OL and SL  - Oregon City 09/19/2020

We completed a rate and term refinance in 15 days! No appraisal needed. Quick turn time! Even the Broker was Available to answer questions and the lowest interest rates in Oregon we have ever seen! Great Team, Great Hours and Excellent service! 
C. Swanson / Portland, Oregon ~ May 2020

A big THANK YOU to Affordable Terms Mortgage for your fantastic work on our refinance process. You were very efficient and cordial throughout the entire process and we appreciate Affordable Terms Mortgage! Refinance closed in 19 days. We had gone to another lender and 3 months had passed and nothing! After a referral from a friend we applied and the end results were fantastic! 
In Gratitude,
R & A Kampe