• 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
PURCHASE 3% DOWN 30 YR FIXED 2.625% / 2.889%
15 Year Fixed 2.375% / 2.418%
JUMBO SMART FIXED 30 2.69% / 2.721%
VA Purchase 100 2.25% / 2.278%
30 Year Fixed 2.69% / 2.748%
Cash-out REFI 30 YR PRIMARY 80% LTV 2.75% / 2.826%
30 YR Fixed Vacation Home 2.69% / 2.728%
VA Rate and Term 30 fixed 2.25% / 2.284%
30 Yr. fixed 20% down 2.69% / 2.747%
CASHOUT INVESTMENT 30 YR FIX 75% 3.25% / 3.273%
RATE AND TERM INVESTMENT 75% LTV 3.125% / 3.173%
7/1 Arm 2.625% / 2.743%
10/1 ARM 2.875% / 3.125%
Get Started About These Rates

OREGON PROPERTIES ONLY...
APPLY ONLINE
FROM THE COMFORT OF YOUR OWN COMPUTER OR DEVICE!
LOAN ESTIMATES ARE FREE!
LOCAL * AFFORDABLE * TRANSPARENT*
PARTNERED  BROKER
WITH
#1 LENDER IN USA!

CLOSING TIME LINES:
REFINANCE 15-21 Days 
NEW HOME PURCHASE
15-21 DAYS

 You cannot lock in the rate without your application being verified & registered
**Click on purchase or refinance NOW! Why Wait!
No charge for credit reports!  

OPEN EVERYDAY!
9AM TO 9PM 
LOCAL 
OREGON PROPERTIES

LICENSED, BONDED 
INSURED

 

 WHY SHOP RETAIL?
SHOP DIRECT! LOCAL OREGON BROKER  *
FREE LOAN ESTIMATE!


WE OFFER NO OBLIGATION LOAN ESTIMATES (LE)
NO CREDIT PULLED! WE VALUE YOUR WORD!

PURCHASES AND REFINANCES CLOSE WITHIN 15 to 21 DAYS 
LOCAL IN HOUSE PROCESSING PARTNERED # 1 LENDER IN COUNTRY!

GET YOUR RATE LOCKED IN TODAY! - OREGON PROPERTIES ONLY! 
      HOT PRICING ON JUMBO LOANS!
G ON AMAZING JUMBO LOANS! 2.690Apr 2.721% **based off of 10.28.2021 rates

 CASH-OUT RATE AND TERM REFINANCE 
30 YR. 2.875% Apr 2.927% 
**based off of 10.28.2021 rates

# 1 QUESTION - WHY IS THE APR HIGHER?Answer: the APR is the amortization of the interest rate over the term of the loan
and If NO additional payments are made during the loan payback terms. The APR will be higher.
If you make an extra payment or extra $$ towards your loan balance anytime - 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). Assisting clients by Appointment, Online and/or Telephone  
Affordable Terms Mortgage is OPEN for business 9am to 9pm  Everyday 503.305.7675 
REALISTIC TIME FOR REALISTIC BORROWERS!
ATM is local and provides trusted, reliable, Afforable Interest rates and transparent 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 an 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, 2nd gerneration 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 PROPERTIES IN OREGON  AFFORDABLE TERMS MORTGAGE LLC. 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 YOU, for your refinance or purchase by
providing Accurate and Transparent 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

We signed and closed in 15 days from start to finish Cashout refinance. 
I trust Affordable Terms Mortgage LLC.

T. Wach- Oregon City 09/15/2021

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! 

Meyers Family 10.09.2021

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