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Find Home Equity Loan Specialists in Keizer, OR

Compare home equity loan specialists in Keizer. Review contact information and insurance categorys before you decide.

4 agents listed
Updated June 2026
Keizer, OR
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Oregon before hiring.
Showing 4 home equity loan specialists in Keizer, OR Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Smith Mortgage Team
4833 River Rd N, Keizer, OR 97303
(503) 928-5580 smithmortgageteam.com
OCCU | Oregon Community Credit Union
5402 River Rd N, Keizer, OR 97303
(800) 365-1111 myoccu.org
Wells Fargo Home Mortgage
4605 River Rd N, Keizer, OR 97303
(503) 463-4297 wellsfargo.com
US Bank Mortgage
5110 River Rd N, Keizer, OR 97303
(503) 390-0419 usbank.com

A home equity loan specialist in Keizer Oregon helps homeowners access the equity in their property. Oregon law requires lenders to follow strict disclosure rules under the Oregon Truth in Lending Act. Keizer residents often use these loans for home improvements or debt consolidation. Specialists guide clients through the application process and explain local property tax implications.

What Does a Home Equity Loan Specialist in Keizer Cost?

Typical costs for a home equity loan specialist in Oregon include origination fees of 0.5 to 1.5 percent of the loan amount. Appraisal fees range from 300 to 600 dollars. Closing costs often total 2 to 5 percent of the loan. Some lenders charge an annual fee for HELOCs of 50 to 100 dollars. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What does a home equity loan specialist in Keizer do?
A specialist helps you understand home equity loan options including fixed-rate loans and HELOCs. They review your property value and credit profile. They also explain Oregon-specific rules like the 3-day rescission period for refinancing.
How do Oregon laws affect home equity loans in Keizer?
Oregon law limits prepayment penalties on home equity loans. Lenders must provide a clear disclosure of annual percentage rates and fees. The Oregon Division of Financial Regulation oversees these loans to protect consumers.
What are typical requirements for a home equity loan in Keizer?
Most lenders require at least 20 percent equity in your home. You need a credit score of 620 or higher and proof of income. Oregon law also requires a property appraisal to confirm the home value.

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