Whether it is your first home or your fifth, buying in Oregon’s Willamette Valley requires local knowledge, financing expertise, and someone who advocates for your interests at every step.
Get pre-approved with a lender who knows Oregon programs. I connect you with the right one.
Must-haves, nice-to-haves, neighborhoods, commute, schools — we build your search strategy.
Strategic tours, five to seven homes at a time, with a comparison sheet to evaluate objectively.
Competitive pricing, strong terms, and a pre-approval letter that signals you are ready.
Home, well, septic (if applicable) — coordinated and reviewed with you in detail.
Repairs, credits, and terms — I handle the back-and-forth so you get the best deal.
Final walkthrough, signing, funding, and keys. Welcome home.
Most conventional loans require 620+. FHA accepts 580+. USDA typically wants 640+. If your score needs work, we can discuss a timeline to improve it.
USDA: 0%. Oregon Bond with Cash Advantage: as low as 0%. FHA: 3.5%. Conventional: 3% to 20%. I walk you through every option.
A state program offering below-market interest rates and up to 3% in forgivable down payment assistance for qualifying first-time buyers.
Yes, if the property is in a USDA-eligible area and meets program guidelines. Many Lane County properties outside the urban growth boundary qualify.
Pre-approval to closing day — everything first-time buyers in Oregon need to know, in one comprehensive guide.
Read the Guide →“Larissa was incredible from start to finish. She answered every single question, walked us through each step, and never made us feel rushed. We found our dream home on five acres.”
