Oregon VA Loan Resources Hub
Program figures verified July 2026. Details change; confirm your scenario with us.
Every free tool, guide, and resource Mike publishes, all in one place.
Downloadable PDFs
- The OR VA Loan Playbook: a 30-plus page guide to using VA financing in Oregon. Covers eligibility, calculations, OR-specific advantages such as the disabled-Veteran property tax exemption and OHCS Down Payment Assistance (DPA), relocation tactics, VA appraisal, refinancing, and common pitfalls.
- OR Veteran Money-Saving Guide: a 20-page guide to Oregon and federal Veteran benefits, discounts, and tax breaks. Updated quarterly.
Calculators (8 total)
- BAH → Purchase Price: base and rank to your max Oregon home price
- Funding Fee Calculator: first use vs subsequent + disability waiver
- PITI Payment Calculator: full monthly with OR county property tax + insurance + HOA
- Max $0-Down Purchase Calculator: income → max VA home price at 41% DTI guideline
- Disabled Veteran Tax Savings Calculator: Oregon disabled-Veteran property tax exemption savings
- IRRRL Recoupment Calculator: 36-month VA rule pass/fail
- Disability Gross-Up Calculator: 25% boost to qualifying income
- Residual Income Calculator: VA's West region 2026 thresholds
- All calculators in one place
Core OR VA loan guides
- Home: site index + base routing
- Eligibility: COE, service requirements, entitlement
- 2026 OR Loan Limits: all 36 counties plus jumbo
- disabled veteran property tax exemption: Oregon's assessed-value exemption explained
- Funding Fee + Waiver: 10%+ disability waiver
- IRRRL Simplify Refi
- First-Time VA Buyer
- Assumable VA Loans
OR-specialist content (zero-national-coverage)
- OR DPA + VA Stacker: pairing OHCS Oregon Bond and Down Payment Assistance with a VA loan
- VA Construction Loans in OR: single-close vs two-close plus an Oregon builder list
- Relocating to Oregon: occupancy and tax residency transition
- Tribal Lands + NADL: Oregon's federally recognized tribes and the Native American Direct Loan
- Master-Planned Community VA Status: how VA treats HOA and shared-amenity communities
- Wildfire + Earthquake Insurance: Rogue Valley, Bend, Cascadia quake zone
- Portland vs Salem vs Bend: Oregon metro comparison
- First-Time VA Buyer Guide: what to expect on your first Oregon VA purchase
- OR Retiring Veteran Guide: what Oregon offers retiring Veterans
- VA Loan Glossary: 75-plus OR-relevant terms
Comparison pages
Base hubs (deep PCS guides)
- Portland Air National Guard Base: 142nd Wing, Portland metro
- Oregon Army National Guard: Camp Withycombe and statewide armories
- Coast Guard Sector Columbia River: Astoria and the north coast
- Kingsley Field (173rd Fighter Wing): Klamath Falls; selected as the Air Force's next F-35A training base (transition underway)
City guides
Buying in the Rogue Valley? See which homes qualify as VA properties in Medford.
Veteran discounts
- Statewide OR Veteran discounts: state programs, federal benefits, and national chains, with notes for the Portland metro, Salem, and the Rogue Valley
Free services
- OR VA Credit Tune-Up: free credit coaching for Veterans planning to buy in 6-12 months
- 60-Second Eligibility Check: 3-step intake, no credit pull
Connect with Mike
- About Mike: credentials, NMLS, philosophy
- Contact: phone, email, contact form
- For Real Estate Agents: Realtor referral playbook
External resources worth knowing
- NMLS Consumer Access: verify Mike's license + Cornerstone's license
- VA Home Loan Benefits (VA.gov): official VA loan documentation
- Oregon Department of Veterans' Affairs (ODVA): state Veteran programs and the ORVET Oregon Veteran Home Loan
- Oregon Housing and Community Services (OHCS): Oregon Bond Residential Loan and Down Payment Assistance
- OHCS Homeownership programs: DPA up to $60,000 or 20% of price, with 25% reserved for Oregon Veterans
The rule behind this
VA does not set a county loan limit for a Veteran with full entitlement; Public Law 116-23 removed them effective January 1, 2020. What VA does require is set out in 38 CFR § 36.4340, which covers underwriting standards, processing procedure and lender responsibility. VA Lender’s Handbook (Pamphlet 26-7), Chapter 4 carries the regional residual-income tables, and residual income is a standalone test rather than a footnote to debt-to-income, above 41% DTI the residual requirement rises 20% over the table minimum. Oregon’s Department of Veterans Affairs administers the state-level benefits that sit on top of the federal loan, and those are set by state law rather than by VA.