Medford Mortgage Lender

As an independent mortgage broker licensed in Oregon, Bayview Residential Brokerage helps Medford buyers and homeowners shop the whole market instead of a single bank's rate sheet. The hub of Southern Oregon's Rogue Valley, Medford offers relative affordability, a mild climate and appeal to families and retirees alike. 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 Medford in 2026: the market, Jackson County loan limits, the programs available, down payment assistance, and the neighborhoods we serve.

The Medford housing market in 2026

Medford is one of Oregon's more affordable metros. As of 2026 the median Medford home price is around $399,000, essentially flat and down slightly year over year, which keeps most homes within conforming and FHA range and makes homeownership attainable for many local buyers. Healthcare, agriculture and tourism anchor the Rogue Valley economy.

With an affordable price point, Medford is a strong fit for FHA, VA, USDA and down payment assistance. The lender you are placed with drives your monthly cost, which is where shopping many lenders pays off.

Loan programs for Medford 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 Jackson County is $541,287 for a single-family home.

VA loans. Eligible veterans and active-duty service members can buy in Medford 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 Medford jumbo is rare, as nearly all homes fall well within 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 Medford 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 Medford 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 Medford

East Medford holds many of the area's newer and higher-end homes, West Medford and central neighborhoods offer established and more affordable options, and nearby communities across the Rogue Valley provide additional choices. USDA financing is often available just outside the city. 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 Medford home

Already own in Medford? 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.

Medford mortgage FAQs

What is the 2026 conforming loan limit in Medford?

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

What is the FHA loan limit in Medford?

The 2026 FHA limit in Jackson County is $541,287 for a single-family home, which covers most local homes.

Do you offer USDA loans near Medford?

Yes. USDA zero-down financing is available in many rural areas around the Rogue Valley, along with conventional, FHA, VA, jumbo and reverse mortgages.

What down payment assistance is available in Medford?

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

Are property taxes high in Medford?

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 Medford?

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

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Nearby cities we serve

Eugene  ·  Bend  ·  Springfield  ·  Corvallis
All Oregon locations ›

Plan your numbers

Affordability calculator  ·  Mortgage calculator  ·  Refinance calculator