Home financing in Multnomah County.
County-by-county financing guides. No paperwork. No social. No ID.
15 institutions are headquartered inside the Multnomah County line, Portland included, and 7 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Multnomah County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 22
- DOORS HERE
- 15
- BASED HERE
- 32
- OR COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 815Kresidents of Multnomah County
- Covers
- Portland
- Elsewhere in OR
- Washington County →13 doors — the biggest list of any other county in Oregon
- State
- Oregon →32 of 36 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Consolidated Credit Union · Ironworkers Usa Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Consolidated Credit Union · First Community Credit Union- Consolidated Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Ibew & United Workers Credit UnionPersonal · Home · Business capital
- Ironworkers Usa Credit UnionCDFI-certifiedPersonal · Home
- Northwest Adventist Credit UnionPersonal · Home
- Nw Priority Credit UnionPersonal · Home
- IN THIS LIST
9 of the 22 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Point West Credit UnionCDFI-certifiedPersonal · Home
- Teamsters Council #37 Credit UnionPersonal · Home · Business capital
- Trailhead Credit UnionPersonal · Home · Business capital
Show the other 7Show fewer
- Craft3Community lending · Business capital
- Habitat for Humanity of Oregon , Inc.Community lending · Business capital
- HDC Community Fund LLCCommunity lending · Business capital
- Network for Oregon Affordable HousingCommunity lending · Business capital
- Portland Housing CenterCommunity lending · Business capital
- Radio Cab Credit UnionPersonal
- Micro Enterprise Services of Oregon (Pedagogy Institute)Business capital
Based elsewhere, with a member-facing office inside the Multnomah County line. You can walk in.
- First Community Credit UnionPersonal · Home · Business capital
- Forrit Credit UnionPersonal · Home
- I.l.w.u. Credit UnionPersonal · Home · Business capital
- Peak Credit UnionPersonal · Home · Business capital
- Rivermark Community Credit UnionCDFI-certifiedPersonal · Home · Business capital
- NO AGENDA
Nobody paid to be on this list.
The 22 doors inside the county line come off public data, and 16 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
- Selco Community Credit UnionPersonal · Home · Business capital
Show the other 1Show fewer
- Unitus Community Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Multnomah County covers Portland, Gresham and the east county, and it is one of the few places in the country where nonprofit housing lenders and homebuyer counseling organizations are headquartered right inside the county line. The houses here are old, the land supply is limited by Oregon's urban growth boundary, and the local inspection issues — buried oil tanks, old wiring, seismic bracing — decide as many deals as credit scores do. This guide covers loan types, income documentation, the doors that actually serve this county, and the Oregon rules that change what you pay.
It's a process, not a rejection.
A home loan here is four decisions, and most buyers only shop the first.
- 01**The loan type
** Conventional with mortgage insurance until you build equity. FHA, more forgiving on credit and down payment, the common first-time path. VA if you served, with no down payment requirement. USDA on parcels inside eligible rural areas — relevant at the far edges of the county, not in inner Portland. A renovation loan, which matters a great deal in a county of century-old houses. Or a portfolio loan a credit union keeps on its own books, which is where unusual income and unusual properties get approved.
- 02**The payment
** Principal and interest is what you shop; taxes and insurance is what moves. Insurance here is less about windstorm than about the age of the house — old wiring, old plumbing and an old roof can limit which carriers will write a policy at all, and no insurance means no loan.
- 03**The property
** A single-family house with an accessory dwelling unit, a condominium, and a small multi-unit building are three different financing problems. Condos must pass the lender's project review, including the association's budget and reserves. If a house has an accessory dwelling unit or you plan to build one, ask early how the lender treats that rental income — policies differ sharply.
- 04**The paperwork path
** Full documentation, or one of the self-employed and bank-statement routes portfolio lenders offer.
Forget what the banks say.
Underwriting asks whether your income is stable, whether your debts leave room, whether you can cover closing, and whether the property supports the loan.
- 01**Union trades workers
** Hourly income with a documented dispatch history is strong. Bring several pay statements, and if your work is seasonal, two years of returns to show the annual pattern.
- 02**1099 contractors and crew owners
** Lenders use the net figure from your tax returns, not the gross deposits. Two years of returns plus a year-to-date profit-and-loss is standard. If aggressive write-offs leave little on paper, ask specifically about bank-statement or portfolio programs at a credit union — a different underwriting path, not a worse loan.
- 03**Drivers and gig workers
** Platform income counts when it has history. Bring annual summaries and the deposits that match them.
- 04**Restaurant
Cart and hospitality workers.** Tips that run through payroll are far easier to document than tips that do not. Bring the full year.
- 05**Two-income households
** Both incomes count and both document sets are required. A W-2 alongside self-employment is an ordinary, approvable file.
- 06**Buyers with thin credit
** Not the same as bad credit. Rent history, utility history and a small credit-builder product can build a usable profile, and some lenders will underwrite manually rather than rely on a score alone.
- 07**ITIN filers
** There is no federal ITIN mortgage program. Some portfolio lenders and credit unions offer their own ITIN mortgage products, with widely varying terms. Ask the question directly on the first call: do you originate mortgages for borrowers who file with an ITIN, and what down payment is required.
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Get your papers in order.
A pre-approval is only as strong as the file behind it.
- 01Government photo ID and your ITIN or Social Security number
- 02Two years of W-2s
Or two years of complete tax returns with all schedules if self-employed
- 03Recent pay statements
Or a year-to-date profit-and-loss statement
- 04Two to three months of statements for every account you will use at closing
- 05Documentation for any large deposit — unsourced cash cannot be counted
- 06A signed gift letter if family is helping with the down payment
- 07Your current lease and twelve months of rent history
- 08Business registration
And your Construction Contractors Board license if you contract
- 09Condo or HOA documents once you have a property: budget, reserve study, insurance certificate, pending assessments, rental restrictions
- 10Homeowners insurance quotes on the specific address
- 11For an older house
The seller's property disclosure, any oil tank decommissioning report, and the inspection report once you have one
- 12For a property with an accessory dwelling unit or extra units: current leases and rent history
The doors worth knowing.
This county is unusually well served.
ALL 22 DOORS, BY NAME AND BY TOWN- 22
- DOORS HERE
- 46
- ACROSS OR
Based in Portland, Oregon. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Portland, Oregon. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in. It is CDFI-certified.
BEST FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.Based in Portland, Oregon. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is CDFI-certified.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Portland, Oregon. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
You pay like an owner and hold none of an owner's rights. If the seller stops paying the underlying loan or the taxes, years of payments can disappear. Have an Oregon real estate attorney read any owner-financing document.
Ask for documentation, not reassurance. Remediation is expensive and it is your problem after closing.
In a county of century-old houses on unbolted foundations in a wet climate, the inspection is the cheapest money you will ever spend.
Confirm the unit is legal, permitted, and allowed under the applicable rules, and confirm how your lender treats the income, before you count on it.
Run the total cost over the life of the loan, not the monthly payment.
Mortgage originators carry an NMLS number. Ask for it and look it up.
Ask what figures are in the escrow and check them against the actual tax statement and a real insurance quote.
Confirm instructions by phone, with the escrow company, at a number you obtained independently.
Everything below is set by Oregon, and it reads the same in every county in it. The 22 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Oregon's property tax system works differently from most states, and it works in a buyer's favor. Homes are taxed on an assessed value that is legally separate from market value and that grows at a limited annual rate. Unlike states where the tax bill resets the moment a house changes hands, an Oregon tax bill does not jump simply because you bought the place. Ask for the actual tax statement on the property rather than estimating from the sale price, and confirm whether any local levies or bonds are being added.
Sellers in Oregon must provide a property disclosure statement, and in this county there is a specific list of things to look for on older homes: documented decommissioning of any underground heating oil tank, knob-and-tube wiring, unbolted foundations, and moisture or drainage issues. Lenders and insurers care about all four. An unresolved oil tank is one of the most common reasons a Portland closing slips.
If you are buying a rental, learn the rules before you close. Oregon has statewide limits on annual rent increases along with strict notice requirements, and Portland adds its own tenant protections, including relocation assistance obligations that can be triggered by certain increases or no-cause terminations. These are not obscure technicalities; they change the math on a small rental and they are enforced.
Oregon has no statewide sales tax, so your income documentation is federal returns and bank records. The state also protects a portion of home equity from creditors, and consumer lenders are licensed through the state's financial regulation division — worth checking on any lender you do not recognize.
Finally, on the closing itself: use an escrow and title company, and confirm every wire instruction by voice at a number you already had. Wire fraud is the most expensive mistake available in a real estate transaction.
The short version.
- 01
Multnomah County gives you something rare: a nonprofit homeownership organization headquartered in the same county you are buying in. Start there, with a HUD-approved counselor, before you talk to any lender. It is free, it is honest, and it will tell you your realistic price.
- 02
Then call one of the community development credit unions based here plus two other lenders, and get written estimates the same day. If you are self-employed or work in the trades, say so in your first sentence and ask which program handles your income. If you file with an ITIN, ask that question directly on every single call.
- 03
On the house itself: ask about the oil tank, the wiring, the foundation bolting and the roof before you fall in love. Get the actual property tax statement instead of estimating. If you are buying a rental, learn Oregon's rent increase and notice rules and Portland's tenant protections first — they change the numbers.
- 04
Origen Capital is a directory, not a lender. We do not collect your information, we do not sell it, and we do not take applications. Use this page to build your short list, then work directly with licensed lenders and a HUD-approved counseling agency.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN MULTNOMAH COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MULTNOMAH COUNTY →32OR COUNTIES WITH DOORSThe whole stateEvery county in Oregon, in this same lane.46 institutions fund homes and repairs inside Oregon county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.