Hillsboro Mortgage Lender

As an independent mortgage broker licensed in Oregon, Bayview Residential Brokerage helps Hillsboro buyers and homeowners shop the whole market instead of a single bank's rate sheet. At the heart of Oregon's Silicon Forest, Hillsboro draws technology workers and families with its major employers and master-planned neighborhoods. 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 Hillsboro in 2026: the market, Washington County loan limits, the programs available, down payment assistance, and the neighborhoods we serve.

The Hillsboro housing market in 2026

Hillsboro is a steady, tech-driven market. As of 2026 the median Hillsboro home price is around $501,000, essentially flat year over year. Major technology employers, including large semiconductor operations, bring steady demand from well-qualified buyers, and the city's newer neighborhoods keep families competing for homes.

At this price point most buyers use conventional or FHA financing well within the conforming limit. Being matched with the right lender and locking a competitive rate is where a broker helps.

Loan programs for Hillsboro 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 Washington County is $701,500 for a single-family home.

VA loans. Eligible veterans and active-duty service members can buy in Hillsboro 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 Hillsboro jumbo is uncommon, applying mainly to larger homes above the conforming limit.

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

Down payment assistance for Hillsboro 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 Hillsboro 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 Hillsboro

Orenco Station is a popular transit-oriented, walkable community, South Hillsboro offers newer master-planned neighborhoods, and areas near downtown Hillsboro provide established homes with more character. 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 Hillsboro home

Already own in Hillsboro? 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.

Hillsboro mortgage FAQs

What is the 2026 conforming loan limit in Hillsboro?

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

What is the FHA loan limit in Hillsboro?

The 2026 FHA limit in Washington County is $701,500 for a single-family home.

Do you offer FHA and VA loans in Hillsboro?

Yes. FHA and VA loans for eligible borrowers, along with conventional, jumbo and reverse mortgages.

What down payment assistance is available in Hillsboro?

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

Are property taxes high in Hillsboro?

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 Hillsboro?

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

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Nearby cities we serve

Beaverton  ·  Portland  ·  Gresham  ·  Salem
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Plan your numbers

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