One of the most impactful resources available is Oregon's Flex Lending program, which helped nearly 1,000 Oregon households buy a home in 2025. This program allows low- to moderate-income borrowers to buy homes in the Beaver State with minimal cash upfront and lower interest rates.

About one-third of the homebuyers who used the Flex Lending program (31%) identified as people of color. The program offers two products:

- FirstHome: For first-time homebuyers and some veterans, with a maximum household income limit based on the area median family income per county.
- NextStep: For anyone who earns $125,000 or less and doesn't currently own a home.

Both products can be combined with the state's down payment assistance program, which offers 4% or 5% of the total loan amount in the form of a low-interest loan that can be used toward a down payment.

You do not have to navigate this journey alone. Whether you are ready to buy today or just want to understand what it takes to get there, my goal is to offer personalized, culturally competent guidance so you and your family can feel confident and informed every step of the way.

Ready to take the first step toward your new home? Reach out to me at [email protected]. Together, we can explore your options in Portland or SW Washington, and turn your real estate dreams into reality.

¡Hablemos pronto!

Gabriela Mann | Licensed Real Estate Broker
[email protected]
The GM Group