The University of Oregon and PeaceHealth are major parts of the Lane County employment base. Employment type can affect documentation, while medical professionals may also have specialized financing options depending on eligibility and current lender guidelines.
EUGENE, OREGON
Mortgage Broker in Eugene, OR
Serving Eugene, Springfield, Cottage Grove, Creswell, Junction City, Veneta, Coburg, and the surrounding Lane County area. Our Eugene branch is licensed in Oregon and California.
Eugene branch office · Branch NMLS #2647692 · NMLS #2367229 · Branch licensed in Oregon and California
Mortgage Marketplace has a branch office in Eugene serving buyers, homeowners, and investors across Lane County. As an independent brokerage, we compare loan programs and pricing across a wide lender network rather than offering a single bank’s products.
Independent broker
Not tied to one bank
Wholesale lender network
Lenders compete for your file
One point of contact
A dedicated broker, start to finish
Housing Oregon's Heroes
Fee discounts for eligible teachers, first responders, military, and healthcare workers
HOW IT WORKS
Home Financing for Eugene Residents
Lane County includes older character homes near central Eugene, established neighborhoods, newer construction, and an active rental market. The property type, location, intended occupancy, and borrower documentation all influence which loan programs and lenders may be appropriate.
Mortgage Marketplace compares options through a network of wholesale lenders. A licensed broker reviews the borrower and property, explains the available choices, and remains the primary point of contact through closing.
NEIGHBORHOODS
Neighborhoods We Serve in Eugene
Mortgage Marketplace serves Eugene and surrounding Lane County from its Pearl Street branch. Clients may meet at the office by appointment or complete the mortgage process remotely.
South Eugene
South Eugene includes established neighborhoods, varied housing styles, and properties near the University of Oregon and the south hills. Property condition, site characteristics, and appraisal requirements should be reviewed before selecting a lender.
Whiteaker
Whiteaker includes older residential properties and mixed-use surroundings near central Eugene. Buyers considering an older home or renovation should confirm property condition and program requirements early.
Bethel and Santa Clara
Bethel and Santa Clara include established homes and newer development in northwest Eugene. FHA, VA, USDA, conventional, and first-time-buyer options depend on the borrower and specific property.
Cal Young and Friendly
Cal Young and Friendly include a mix of established single-family homes and properties close to major Eugene employment and services. Loan selection should be based on the borrower's qualifications, intended occupancy, and property details.
OFFICE INFORMATION
Our Eugene Office
Mortgage Marketplace - Eugene Branch
590 Pearl St, Suite 300, Office 319
Eugene, OR 97401
Eugene Branch
Branch NMLS #2647692
Company NMLS #2367229
Licensed in Oregon and California
(503) 210-1480
Call or text
Office Hours
Monday-Friday, 9:00 AM-5:00 PM
Weekends by appointment
Parking and Building Access
Free onsite parking
Building entry uses a key fob
Staff can admit scheduled visitors
2026 LOAN LIMITS
2026 FHA and Conforming Loan Limits in Lane County
The Eugene office serves properties throughout Lane County. The applicable limit depends on the loan program and the number of residential units in the property.
| Property | 2026 FHA - Lane County | 2026 conforming |
|---|---|---|
| 1 unit | $541,287 | $832,750 |
| 2 units | $693,050 | $1,066,250 |
| 3 units | $837,700 | $1,288,800 |
| 4 units | $1,041,125 | $1,601,750 |
Source: HUD/FHA and FHFA 2026 county loan-limit tables. Loan limits are program maximums, not guaranteed loan amounts. Borrower eligibility, property eligibility, available terms, and final approval depend on lender underwriting and applicable program requirements.
LOAN PROGRAMS
Mortgage Programs Available in Eugene
Lane County includes owner-occupied homes, investment properties, older character homes, and newer construction. Because Mortgage Marketplace compares options through multiple lenders, the program can be evaluated against the property, intended occupancy, and how the borrower’s income is documented.
FHA Loans
Qualified Eugene buyers may be able to purchase with as little as 3.5% down, subject to credit, property, lender, and program requirements.
First-Time Buyer
First-time-buyer and down-payment-assistance options may reduce the cash needed at closing for eligible borrowers.
VA Loans
Eligible veterans, active-duty service members, and surviving spouses may qualify for financing with no down payment and no monthly mortgage insurance.
USDA Loans
Eligible borrowers purchasing an eligible property in a qualifying rural area may be able to use USDA financing with no down payment.
Conventional Loans
Fixed-rate and adjustable-rate options for qualified buyers, with terms that vary by credit, down payment, property, and lender guidelines.
Refinance and HELOC
Review rate-and-term refinancing, cash-out refinancing, and home-equity options using the projected costs, savings, and break-even point.
Self-Employed
Alternative-document and bank-statement options may help qualified business owners and contractors whose income does not fit standard W-2 documentation.
Jumbo Loans
Financing above conforming loan limits for higher-priced Eugene-area properties, subject to borrower, property, and lender requirements.
Program availability and eligibility vary. A licensed mortgage broker will review the borrower, property, documentation, and current lender guidelines before recommending an option.
THE DIFFERENCE
Why Eugene Homebuyers Choose Mortgage Marketplace
| What matters | Mortgage Marketplace | A typical bank |
|---|---|---|
| Lenders shopped for you | Many wholesale lenders | One product set |
| Loan programs | FHA, VA, USDA, conventional, jumbo, and alternative-document options | Limited menu |
| Who handles your file | A dedicated broker, start to finish | May involve rotating staff |
| Eugene-area properties | Matched to lenders based on the property and borrower | Options depend on the bank's menu |
| Pre-approval timing | Typically one to two business days after required documents are received | Varies |
Mortgage Marketplace compares lender and program options for the borrower and property. That can be especially useful for Eugene buyers evaluating an older home, a rental property, or income that requires more than a standard W-2 review.
FREQUENTLY ASKED QUESTIONS
Mortgage Questions From Eugene Homebuyers
How much do I need to put down on a house in Eugene?
Qualified Eugene buyers may be able to purchase with as little as 3.5% down through FHA, or with no down payment through VA or USDA if they and the property qualify. The amount needed depends on the loan program, purchase price, credit, available funds, property, and lender requirements. We will calculate the amount for the specific purchase.
What credit score do I need to buy a home in Eugene?
Some lenders consider FHA borrowers with credit scores in the 580 range, and sometimes lower when program and lender requirements are met. Conventional loans generally require stronger credit. A licensed broker will review the full financial picture before explaining the available options.
Is Mortgage Marketplace licensed to do mortgages in Eugene, Oregon?
Yes. Mortgage Marketplace LLC is licensed in Oregon, NMLS #2367229. The Eugene branch is licensed in Oregon and California under Branch NMLS #2647692. Licensing does not guarantee loan approval or program eligibility.
How long does it take to close a mortgage in Eugene?
Closing takes 21 to 30 days in most cases after an accepted offer and submission of the required documents. Timing may vary based on the lender, property, appraisal, underwriting conditions, and how quickly requested information is provided.
What are the 2026 FHA and conforming loan limits in the Eugene area?
For 2026, the Lane County FHA limit is $541,287 for a one-unit property. The one-unit conforming limit is $832,750. Higher limits apply to eligible two-, three-, and four-unit properties.
Can I get a mortgage in Eugene if I am self-employed?
Yes. We work with lenders that offer bank-statement and alternative-document options for qualified Eugene business owners and contractors whose income may not fit standard W-2 documentation. Eligibility and documentation requirements vary by program and lender.
Which lenders does Mortgage Marketplace work with for Eugene buyers?
We compare options through a network of wholesale lenders rather than offering only one bank’s products. The lenders available for a particular borrower depend on the loan program, property, documentation, and current lender guidelines.
What is the best loan for a first-time buyer in Eugene?
The right program depends on credit, income, available funds, property, and financial goals. FHA and first-time-buyer programs with down-payment assistance may reduce the cash needed upfront for eligible borrowers. We can compare those options with conventional financing using the buyer’s actual numbers.
Do I have to visit an office to get a mortgage in Eugene?
No. You can complete the process remotely or arrange an in-person meeting at our Eugene branch. The building uses key-fob entry, so scheduled visitors should contact the office for admission.
Can I refinance my Eugene home with Mortgage Marketplace?
Yes. We help Eugene homeowners review rate-and-term refinancing, cash-out refinancing, HELOCs, and other home-equity options. A licensed broker will review the potential costs, projected savings, and estimated break-even point before the homeowner decides whether refinancing fits the goal.
Do you have an office in Eugene?
Yes. Our Eugene office is at 590 Pearl St, Suite 300, Office 319, Eugene, OR 97401. It is staffed Monday through Friday from 9:00 AM to 5:00 PM, with weekends by appointment. The building uses key-fob entry, and staff can admit scheduled visitors. Free onsite parking is available.
Do you finance rental and investment properties in Eugene?
Yes. We work with lenders that offer conventional investment-property financing and DSCR loan options. DSCR eligibility is based primarily on the property’s rental-income analysis, but borrower, property, appraisal, reserve, and lender requirements still apply.
READY WHEN YOU ARE
Get Your Eugene Mortgage Plan in One Call
Tell us what you are trying to accomplish in Eugene and we will compare programs across our lender network, then walk you through the numbers so you can make an informed decision. Program availability and approval depend on borrower, property, documentation, lender, and program requirements.