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mortgages with mitch

Straight answers on rates, loans, and buying a home — written by Mitch Tugaw so you can borrow with confidence.

FHA vs. Conventional in 2026: Which Fits First-Time Buyers in Multnomah County?by: Mitch Tugaw

FHA or conventional for your first home in Multnomah County? Compare down payments, credit scores, MIP vs. PMI, and 2026 loan limits to see which program actually costs less over time.

Loan Programs
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How Much House Can You Afford With a VA Loan in Portland?by: Mitch Tugaw

Portland's median home price is $535K. See how much house a VA loan can actually get you, with $0 down and no loan-limit cap for most veterans.

Loan Programs
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