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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

How a Self-Employed Contractor Bought 4.5 Acres Near Portland With a Conventional Loan

by: Mitch Tugaw

"Self-employed contractor. Two loan paths, one $40K repair curveball. See how a conventional loan beat a bank statement loan for this Portland-area buyer.

Client Success