FHA VS Conventional loan programs in Happy-Valley, Clackamas County, Oregon

In 2026, the loan limit for Conventional loans in Happy-Valley, county of Clackamas, OR, is $647,200. Meanwhile, for a single-family home, the FHA limit is $598,000.

Use the Lendersa® Conventional loan calculator to compare top rates for Conventional, FHA, and USDA loans today. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator aligns Conforming Conventional, USDA, FHA, and VA loans side by side, helping you identify the best program for your financial needs in OR.

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Loan Limits and Down Payment Requirements for 2026 in Happy-Valley, Clackamas, OR

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $414,000 0%
FHA $598,000 3.5%

This table applies to the zip codes: 97015

Explore Conventional and FHA Loan Options in Happy-Valley, OR

The aim of Lendersa® is to promptly provide you with the most suitable Conventional, USDA, or FHA loans without hassle. Begin with one of three starting points for connecting with appropriate lenders and loan programs.

Review of USDA loan requests and results with Lendersa


Happy-Valley Lenders

  • Northwest Reverse Mortgage
  • 10121 SE Sunnyside Rd, Suite 300, Clackamas, OR, 97015
  • Lends in Oregon
  • We are committed to quality service through educating our clients about their options and providing solid information for you to make the optimal decision for your unique situation. With almost two decades in this industry, Jeff Foody started our mortgage brokerage Northwest Reverse Mortgage in Oregon in 2019.

  • Golden Mortgage LLC
  • 10117 SE Sunnyside Road, Suite 405, Clackamas, OR, 97015
  • Lends in Oregon
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Root Mortgage
  • 10151 SE Sunnyside Rd, Suite 220, Clackamas, OR, 97015
  • Lends in Oregon
  • At Root Mortgage we love working with people. We have an expert team of individuals with the ultimate goal of serving our clients. We will work hard for you, your family, and your situation. That’s why we serve our clients by giving them the same advice we’d give to our family and friends.

  • Denali Commercial Mortgage
  • 8754 SE Margie Way, Happy Valley, OR, 97086
  • Lends in Oregon
  • Our goal is to secure the financing you need as simply as possible. Our longstanding partnerships also allow us to navigate the options on behalf of our clients, and then suggest the best loan or lease. Because we know precisely what documentation each lender requires, we can help each client gather exactly the right information.

  • Oregonians Credit Union
  • 6915 SE Lake Rd, Milwaukie, OR, 97267
  • Lends in Oregon
  • We offer many of the same banking products and services as big banks, like checking and savings accounts, mortgages and car loans; but we offer a better way to bank. If you're not receiving great service from your bank, we hope you'll vote with your feet and bank with us instead.

  • Bamboo Mortgage Inc
  • 8333 Southeast Powell Boulevard, Portland, OR, 97266
  • Lends in Oregon
  • Bamboo Mortgage We believe in face-to-face communication because mortgage finance is complex We are embedded in Jade District in S.E. Portland and have a professional office near Hwy 205. We teach clients to manage their mortgage debt which is more important than simply getting a loan and also We utilize an educational style with our customers

  • Arete Mortgage NW LLC
  • 5516 Southeast 71st Avenue, Portland, OR, 97206
  • Lends in Oregon
  • Arete Mortgage NW, LLC is a mortgage brokerage providing residential purchase and refinance mortgages to borrowers in the Pacific Northwest. Our goal is simple: we want to work quickly and efficiently to get borrowers a great rate. We do so by operating with low overhead costs and utilizing technology to optimize efficiency

  • Castparts Employees Federal Credit Union
  • 8120 SE Luther Rd., Portland, OR, 97206
  • Lends in Oregon
  • Castparts Employees Federal Credit Union. The first office was located in a single-person room under the stairs in one of Precision Castparts’ plants. After outgrowing the small ‘office’, the credit union moved into a modular unit in the parking lot. and credit union built a new branch off-site, and continues to maintain separate ‘single-person.

  • Clackamas Federal Credit Union
  • 270 Warner Milne Road, Oregon City, OR, 97045
  • Lends in Oregon
  • Clackamas Federal Credit Union has been helping people and businesses like you, improve their lives. We’re a different type of financial institution that’s owned by its members, not corporate shareholders. We’re a not-for-profit dedicated to helping hard working people like you achieve your financial goals, faster.

  • Value Added Mortgage Group LLC
  • 19346 Auburn Drive, Oregon City, OR, 97045
  • Lends in Oregon
  • Value Added Mortgage our clients see a difference. Focused on a Education, Communication and Customer first mentality our team works hard to deliver an exceptional experience in the home loan industry.Our mortgage experience is simple and streamlined with one goal – To Exceed Your Expectations.