Bend Mortgage Lender

As an independent mortgage broker licensed in Oregon, Bayview Residential Brokerage helps Bend buyers and homeowners shop the whole market instead of a single bank's rate sheet. A fast-growing outdoor-recreation hub in Central Oregon, Bend draws relocating buyers, remote workers and second-home owners with its lifestyle and scenery. We match each borrower with the lender and program that fits, then handle the loan from pre-approval to closing.

Below is a plain-English guide to buying or refinancing in Bend in 2026: the market, Deschutes County loan limits, the programs available, down payment assistance, and the neighborhoods we serve.

The Bend housing market in 2026

Bend is Central Oregon's premium market. As of 2026 the median Bend home price is around $682,000, essentially flat and down slightly year over year, after years of rapid growth driven by in-migration. Its outdoor recreation, growing employment base and second-home demand keep the market active, though buyers now have a bit more room than at the peak.

At this higher price point, Deschutes County has a somewhat elevated FHA limit of $718,750, and most homes still fall within the $832,750 conforming limit. Being matched with the right lender keeps your payment competitive, which is where a broker helps.

Loan programs for Bend buyers

Conventional loans. The default for buyers with solid credit, with as little as 3% down for qualified first-time buyers.

FHA loans. A lower 3.5% down payment and flexible qualifying, popular with first-time and credit-building buyers. The 2026 FHA limit in Deschutes County is $718,750 for a single-family home.

VA loans. Eligible veterans and active-duty service members can buy in Bend with a zero-down VA loan. Zero down payment and no monthly mortgage insurance for those who qualify.

USDA loans. Zero-down financing for eligible rural communities near the area, for buyers within the income limits.

Jumbo loans. Financing above the $832,750 conforming limit for higher-priced homes. In Bend this applies mainly to higher-priced and resort-area homes above $832,750.

Reverse mortgages. For homeowners 62 and older who want to convert equity into cash without a monthly mortgage payment.

Down payment assistance for Bend buyers

Oregon offers help with the down payment through Oregon Housing and Community Services (OHCS). The Oregon Bond Residential Loan Program pairs a competitive first mortgage with a Cash Advantage down payment assistance option, and other state and local programs can help qualified buyers with the down payment and closing costs. Eligibility depends on income, credit and homebuyer education. We help Bend buyers find and coordinate the right program with the loan.

Property taxes in Oregon

Oregon property taxes are relatively moderate and, thanks to Measure 50, fairly predictable. Your bill is based on a capped assessed value that generally rises no more than 3% per year, rather than tracking the full market value of your home, which helps with long-term budgeting. When we prepare your pre-approval, we include realistic tax and insurance estimates so your monthly number is the real one.

Buying across Bend

The Old Mill District and downtown offer walkable access to the river and shops, the west side holds sought-after established neighborhoods near trails, and newer communities on the north and southeast sides provide more recent construction. Resort-area properties sit at the higher end. We match the loan to the neighborhood and property type.

How the process works with Bayview

1. Pre-approval. We review your income, credit and goals, then issue a pre-approval so you can shop with confidence and make strong offers.

2. Shop and compare. Once you are under contract, we shop your loan across our lender network and bring back the most competitive fit on rate and fees.

3. Underwriting. We manage document collection and work the file through underwriting, keeping you and your agent updated.

4. Closing. Most purchases close in about 30 days from contract. You sign, fund and get the keys.

Refinancing your Bend home

Already own in Bend? Refinancing can lower your rate or payment, shorten your term, or let you tap equity through a cash-out refinance for a remodel or to consolidate debt. With how much Oregon home values have risen over the past several years, many local homeowners have more usable equity than they realize. We run the numbers both ways and only recommend a refinance if it actually moves you forward.

Bend mortgage FAQs

What is the 2026 conforming loan limit in Bend?

Bend is in Deschutes County, which uses the baseline conforming limit of $832,750 for a single-family home in 2026.

What is the FHA loan limit in Bend?

The 2026 FHA limit in Deschutes County is $718,750 for a single-family home, somewhat higher than most Oregon counties due to Bend's home prices.

Can you finance a second home in Bend?

Yes. Bend has strong second-home and vacation-property demand, and we finance second homes as well as primary residences and investment properties.

What down payment assistance is available in Bend?

Oregon's OHCS Oregon Bond program and other programs can help qualified buyers with down payment and closing costs.

Are property taxes high in Bend?

Oregon property taxes are moderate and, thanks to Measure 50, fairly predictable, based on a capped assessed value that generally rises no more than 3% per year.

How long does it take to close in Bend?

Most purchase loans close in about 30 days once you are under contract.

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Nearby cities we serve

Portland  ·  Eugene  ·  Medford  ·  Salem
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Plan your numbers

Affordability calculator  ·  Mortgage calculator  ·  Refinance calculator