Buying a home shouldn't be complicated. Our network of trusted mortgage brokers helps you find the best rates and terms.
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Getting matched with the right lender is simple and fast
Quick 2-minute form. No impact on your credit score.
Our platform searches hundreds of trusted lenders for you.
Review personalized offers and select the best one.
We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.
Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.
Local lending landscape and Oregon regulations
Oregon caps all consumer loans at 36% APR with a minimum 31-day term, effectively reforming payday lending.
Oregon caps payday loan APR at 36% - one of the strongest limits in the nation. Portland residents benefit from these protections plus access to OnPoint Community Credit Union and Unitus Community Credit Union, both known for working with borrowers rebuilding credit.
"Oregon's 36% APR cap on payday loans is among the lowest in America - Portland residents should never accept a rate higher than this from any lender."
- SwipeSolutions, Portland Market Analysis
Common questions from Portland residents
Join 50,000+ borrowers who found hope and financial solutions.
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With a population of 2,027,629, Portland is one of Oregon's largest cities. Our lending network serves all Portland zip codes including 97227, 97221, 97220, 97229, 97203, and more.
Look for Portland mortgage brokers with strong reviews, multiple lender relationships, and experience with your type of loan. Our network connects you with vetted, licensed professionals who work with dozens of lenders to find you the best rates and terms.
In Oregon, minimum credit requirements vary by loan type: FHA loans accept scores as low as 580 (or 500 with 10% down), conventional loans typically require 620+, and VA/USDA loans have their own guidelines. Our brokers can help you find programs that match your credit profile.
Most Portland mortgage brokers earn their fee from the lender (typically 1-2% of the loan amount), so there's often no direct cost to you. Some brokers may charge a flat fee. Always ask about fees upfront - our partners are transparent about their compensation.
Mortgage brokers can save you time and money by shopping multiple lenders on your behalf. While banks only offer their own products, brokers have access to dozens of lenders and can often find better rates or terms. This is especially valuable if you have unique circumstances.
The typical mortgage process takes 30-45 days from application to closing. Getting pre-approved takes just a few days. Portland homebuyers who have their documents ready and respond quickly to requests often close even faster.
Last Updated: Feb 2026