Oswego Mortgage Corporation: Find Your Perfect Loan

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Oswego Mortgage Corporation is a mortgage company based in Lake Oswego, Oregon, that specializes in VA home loans and refinancing for veterans and active-duty military personnel. They also offer a variety of other loan products, including FHA loans, USDA loans, and conventional loans.

Dreaming of homeownership? Whether you’re a seasoned veteran, a first-time buyer, or ready to refinance, the path towards owning your own piece of the American dream can feel daunting. That’s where Oswego Mortgage Corporation comes in.

Established in 1996 and rooted in the Pacific Northwest, Oswego Mortgage Corporation has dedicated itself to empowering Oregonians and Washingtonians like you to achieve their homeownership goals. Their team boasts decades of experience and a genuine commitment to understanding your unique needs and circumstances.

Oswego Mortgage Corporation has a good reputation online, with a 4.9-star rating on Google from over 50 reviews. Customers praise the company’s friendly and knowledgeable staff, as well as their competitive rates and smooth loan process.

Oswego Mortgage Corporation: Overview

Company Background and Expertise:

Oswego Mortgage Corporation isn’t just another mortgage lender; it’s a community-driven institution with a rich history and a deep understanding of the Pacific Northwest housing market. Let’s delve into their background and expertise to see what makes them stand out:

Veteran Expertise: More than just a service, helping veterans and active-duty military personnel achieve homeownership is a passion at Oswego Mortgage Corporation. Their team boasts dedicated VA loan specialists who possess not only the technical knowledge but also the empathy and understanding necessary to navigate the complexities of VA loans.

Beyond VA Loans: While VA loans are their specialty, Oswego Mortgage Corporation’s expertise extends to a wide range of loan options. Whether you qualify for an FHA, USDA, or conventional loan, their team is equipped to guide you through the process and find the best fit for your financial situation.

Experience Matters: With decades of combined experience, the team at Oswego Mortgage Corporation has seen it all. They understand the nuances of the mortgage industry, the challenges faced by different borrowers, and the importance of personalized solutions.

Building Relationships: Forget the impersonal experience of big banks. Oswego Mortgage Corporation fosters a personalized approach, taking the time to understand your individual goals, dreams, and financial situation. They believe in building relationships, not just processing transactions.

Staying Ahead of the Curve: In today’s digital age, Oswego Mortgage Corporation leverages technology to streamline the loan application process. Their commitment to efficiency and transparency ensures you stay informed and involved throughout the journey.

Awards and Recognition: Their dedication to excellence doesn’t go unnoticed. Oswego Mortgage Corporation has earned a near-perfect 5-star rating on Google and numerous satisfied customer testimonials, solidifying their reputation for exceptional service and client satisfaction.

By understanding Oswego Mortgage Corporation’s background and expertise, you can make an informed decision about choosing a trustworthy partner for your homeownership journey.

Loan Products and Services Offered:

Navigating the mortgage landscape can be overwhelming, with countless loan options and complexities to consider. Fortunately, Oswego Mortgage Corporation offers a diverse portfolio of loan products and services designed to meet your unique needs and goals. Let’s explore their offerings:

Loan Products and Services Offered

VA Loans: As their area of expertise, Oswego Mortgage Corporation is a trusted leader in VA loans. They understand the intricacies of the program, eligibility requirements, and the specific needs of veterans and active-duty military personnel. Their team can guide you through the application process, ensuring you maximize your benefits and secure the best possible interest rates.

Beyond VA: While VA loans are their specialty, Oswego Mortgage Corporation caters to a wider audience. They offer a variety of other loan options, including:

  • Refinancing: Whether you want to lower your interest rate, shorten your loan term, or tap into your home’s equity, their team can help you find the right refinancing solution.
  • Down Payment Assistance: They understand the challenges of saving for a down payment. Oswego Mortgage Corporation offers various down payment assistance programs to help you bridge the gap and make homeownership more attainable.
  • Credit Counseling: If you’re concerned about your credit score, their team can connect you with credit counseling resources to improve your financial standing and qualify for better loan terms.

Personalized Guidance: Remember, choosing the right loan isn’t just about rates and numbers. Oswego Mortgage Corporation takes a personalized approach, considering your unique needs, financial situation, and future goals. They work closely with you to understand your aspirations and recommend the loan product and services that best fit your overall vision.

Loan Process and Customer Experience

Buying a home is a significant life event, and the loan process can often feel complex and daunting. However, with Oswego Mortgage Corporation, you can expect a transparent, efficient, and personalized experience every step of the way. Let’s delve into their loan process and the exceptional customer experience they provide:

Loan Process and Customer Experience

Streamlined Process:

  • Pre-qualification: Begin by getting pre-qualified to understand your borrowing power and explore different loan options. Oswego Mortgage Corporation simplifies this initial step with online tools and personalized guidance.
  • Application: Their online application process is user-friendly and secure, allowing you to submit necessary documents conveniently.
  • Underwriting: Their experienced team works diligently to review your application and ensure a smooth underwriting process, keeping you informed throughout.
  • Closing: They prioritize clear communication and keep you updated on closing timelines and requirements, ensuring a stress-free experience.


  • Online tools: Their user-friendly online platform allows you to track your loan application status, upload documents, and communicate with your loan officer easily.
  • Mobile app: Stay connected on the go with their mobile app, offering convenient access to your loan information and communication channels.
  • Digital signing: Eliminate unnecessary paperwork and expedite the closing process with secure digital signing options.

Exceptional Customer Service:

  • Dedicated loan officer: You’ll be assigned a dedicated loan officer who serves as your personal guide throughout the entire process, providing expert advice and support.
  • Open communication: They prioritize clear and consistent communication, keeping you informed and addressing any questions or concerns promptly.
  • Transparency: They believe in transparency, explaining loan terms, fees, and the entire process in a clear and understandable manner.
  • Accessibility: Reach your loan officer and support team easily through phone, email, or online chat, ensuring you get the assistance you need when you need it.

Customer Testimonials:

Don’t just take their word for it! See what real customers have to say about their experience with Oswego Mortgage Corporation:

  • “My loan officer was patient, knowledgeable, and always available to answer my questions. They made the whole process feel smooth and stress-free.” – Sarah B.
  • “I was initially nervous about buying my first home, but Oswego Mortgage Corporation made it a breeze. They explained everything clearly and helped me choose the best loan option for my needs.” – Michael D.
  • “From pre-approval to closing, their team was professional, responsive, and genuinely invested in helping me achieve my homeownership dream.” – Jessica A.

Rates, Fees, and Eligibility:

Buying a home requires careful consideration beyond just finding the right property. Understanding loan rates, fees, and eligibility requirements is crucial for making an informed decision. Let’s delve into what Oswego Mortgage Corporation offers:

Rates, Fees, and Eligibility

Competitive Rates:

  • Oswego Mortgage Corporation strives to offer competitive rates on all their loan products, including VA, FHA, USDA, and conventional loans. They leverage their strong industry relationships and negotiation skills to secure favorable rates for their clients.
  • Transparent rate quotes: They provide transparent and upfront rate quotes, allowing you to compare and understand the full cost of your loan before moving forward.
  • Rate lock options: Lock in your interest rate for a specific period to protect yourself from potential market fluctuations.

Fees Explained:

  • Loan origination fee: This fee covers the cost of processing your loan application and underwriting the loan.
  • Appraisal fee: An independent appraiser determines the property’s value, and this fee covers their service.
  • Title fees: These fees cover the cost of title search and insurance to ensure a clear title to the property.
  • Government fees: Certain loan programs, like FHA and VA loans, may incur additional government fees.

Eligibility Requirements:

  • Each loan program at Oswego Mortgage Corporation has specific eligibility requirements, including minimum credit score, income verification, and down payment amounts.
  • VA loans: Open to veterans and active-duty military personnel with qualifying service history and creditworthiness. Often require no down payment.
  • FHA loans: More flexible credit score requirements compared to conventional loans, with a minimum down payment of 3.5%.
  • USDA loans: Designed for rural areas, with income limits and credit score requirements. Often require no down payment.
  • Conventional loans: Typically require stronger credit scores and higher down payments (often 20% or more).

Transparency and Guidance:

  • Oswego Mortgage Corporation is committed to transparency. They will clearly explain all loan terms, fees, and eligibility requirements, ensuring you understand the full picture before making any decisions.
  • Personalized guidance: Their experienced loan officers will work with you to understand your financial situation and recommend the loan product that best fits your needs and eligibility.

Resources and Tools:

  • They offer online resources and calculators to help you estimate your monthly payments, compare loan options, and understand potential closing costs.
  • You can also schedule a free consultation with a loan officer to discuss your specific situation and get personalized guidance on your eligibility and available options.

Important Note: I cannot provide specific rate or fee information, as this can vary depending on individual circumstances and market conditions. It is always recommended to consult directly with Oswego Mortgage Corporation for accurate and up-to-date information regarding their rates, fees, and eligibility requirements for your specific situation.


Achieving your dream of homeownership can be a thrilling yet complex journey. Whether you’re a seasoned veteran, a first-time homebuyer, or considering refinancing, navigating the mortgage landscape requires careful planning and the right partner by your side.

Oswego Mortgage Corporation stands out as a trusted leader in Oregon and Washington, dedicated to empowering individuals like you to achieve their homeownership goals.


What services does Oswego Mortgage Corporation offer?

They offer a variety of loan products, including VA loans, FHA loans, USDA loans, and conventional loans, as well as refinancing and down payment assistance programs.

Are they licensed in my state?

They are currently licensed in Oregon and Washington.

What is their reputation like?

They have a near-perfect 5-star rating on Google and numerous satisfied customer testimonials, indicating a strong reputation for service and client satisfaction.

How long does the loan process take?

The loan process timeline varies depending on individual circumstances and loan type, but they strive for efficiency and transparency throughout.

What documents do I need to provide?

They will provide a clear list of required documents based on your specific loan program.

Can I track my loan application online?

Yes, they offer a user-friendly online platform and mobile app for convenient access to your loan status and communication.

What are the eligibility requirements for each loan program?

Eligibility requirements vary by program, but they offer resources and consultations to help you understand your options.

What are your current interest rates?

Rates fluctuate based on market conditions and individual borrower profiles. They recommend contacting them directly for accurate and personalized rate quotes.

Are there any hidden fees?

They are committed to transparency and will clearly explain all loan terms, fees, and closing costs before you move forward.

How can I contact a loan officer?

You can reach them by phone, email, or online chat. They also offer free consultations to discuss your specific needs and answer any questions.

What if I have concerns during the loan process?

They prioritize open communication and are available to address any concerns promptly and transparently.

Do you offer down payment assistance programs?

Yes, they offer various programs to help make homeownership more attainable.

Can I refinance my current mortgage?

Yes, they offer refinancing options to help you lower your interest rate, shorten your loan term, or tap into your home’s equity.

What resources do you offer for first-time homebuyers?

They provide educational resources, calculators, and consultations to guide first-time buyers through the process.

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