Yes, You Can Finance That: Unique Homes with Conventional Loans in Oregon

At Bend Mortgage Brokers, we hear it all the time:
“My bank said they can’t finance it.”
“They told me I needed three similar comps.”
“They said my barndominium doesn’t qualify.”

Sound familiar?

Here’s the truth. Most lenders are not set up to handle unique or non-traditional properties, or just don’t have the knowledge for the tough scenarios. That’s where we’re different. We run directly to Fannie Mae guidelines with no overlays. That means if Fannie allows it, we allow it. No unnecessary restrictions. No internal policies standing in the way of your dream home. This allows us to offer unique home loans Oregon wide.

What Kind of Unique Homes Can We Finance?

If it’s a legal, livable home, there’s a good chance we can finance it with standard Conventional financing. No need for expensive non-traditional financing.

We can do:

• Barndominiums
• Earth-bermed homes
• Geodesic dome houses
• Log cabins
• Container homes
• Geodesic dome houses
• Other alternative construction homes

No Comps Needed

This is the big one. Traditionally, if other lenders think they can make it happen, they still require at least 2 or 3 comparable homes of the same construction type in the area before they will finance a unique property. This can be a deal killer, especially in rural areas.

With the loan products we offer:

We don’t need matching comps.

As long as the appraiser can comment that the property’s unique design does not negatively impact value or marketability, we’re good to go. That means we get the value from more traditional home sales just like a “normal” home loan.

The other kicker. This means you can still use:

• Low down payment programs
• First-time homebuyer options like HomeReady or Home Possible
• Second home and investment property financing

You get all the same flexibility and pricing that you would with a traditional home.

Why We Can Do What Other Lenders Can’t

At Bend Mortgage Brokers, we follow Fannie Mae’s direct guidelines, not internal overlays designed to pad profits or avoid unique properties. We believe in smart, common-sense underwriting backed by wholesale pricing, which gives our clients better flexibility and better deals.

This matters even more in Oregon, where non-traditional homes are everywhere, especially in rural areas. You should not be punished for owning a home with character.

Our team knows how to evaluate these homes, work with experienced appraisers, and get deals closed that other lenders walk away from.

Want to Know if Your Property Qualifies?

Let’s take a look. We will review the home type, location, and build quality. No hard credit pull required just to get started, just a conversation with us.

Click below to apply online in just a few minutes:
MattBoytz.ZipForHome.com

Or call or text us at 541-972-8616 to talk it through.

Bottom line?
If it’s legal, livable, and you love it, there is a very strong chance we can finance it.

Matt Boytz
Direct: 541-359-7212
Office: 541-972-8616
NMLS 1294957
NMLS 2552455
Matt@BendMortgageBrokers.com
Apply Now!
www.BendMortgageBrokers.com