Unlock Oregon’s Exclusive Veteran Mortgage – The ODVA Home Loan
Not a grant or rental assistance. This is a real, low-rate mortgage for Oregon veterans.
An ODVA home loan is Oregon’s exclusive mortgage option for veterans. It’s not part of the federal VA loan but offers subsidized interest rates, no funding fee, and local servicing.
What is the ODVA Home Loan?
ODVA home loans are backed by Oregon-issued, tax-exempt Qualified Veterans Mortgage Bonds. 🏛️
Since 1945, Oregon veterans have received over $8 billion in low-interest financing through this unique program. 💰
Key Advantages of ODVA Loans:
Unlike VA loans, ODVA loans are:
🏦 State-funded, not federal
🗂️ Processed and serviced in Oregon
🏡 Only for purchasing homes (not refinancing)
To learn more about the official state details, visit the
Who Qualifies for an ODVA Home Loan?
To qualify for an ODVA home loan, applicants must meet the following criteria:
Basic Eligibility Requirements
🎖️ Must be a U.S. veteran with an honorable discharge
🏡 Property must be in Oregon and used as your primary residence⏱️ Must occupy the home within 60 days of closing
🔁 Up to 4 ODVA loans allowed in a lifetime (only one active at a time)
💍 Co-borrower must be a spouse or registered domestic partner
It’s also important to ensure your discharge paperwork and service history meet ODVA’s eligibility standards.
To apply for an ODVA home loan, you’ll need to meet all eligibility criteria and submit documentation to the state.
Loan Terms and Requirements
- Loan terms: 15, 20, or 30 years
- Up to 95% Loan-to-Value (PMI required above 80%)
- No prepayment penalties
Why it Matters
ODVA loans give Oregon veterans a simpler, more stable path to homeownership — with state-backed support and subsidized interest.
Check Your Eligibility Today
If you’re wondering whether an ODVA home loan is right for you, I’ll help you compare options and next steps.
Still have questions?
Not Eligible for ODVA?
If you don’t qualify for an ODVA home loan, you may still be eligible for a VA loan or other great financing options.
Explore Other Loan Options
Serving Oregon veterans with integrity and expertise since 1989. Independent. Local.
