Oswego Mortgage, NMLS #233782

Oswego Mortgage, NMLS #233782 Oswego Mortgage - Fitkin Mortgage Corporation
VA Home Loans and Refinancing 🏠
Equal Opportunity Lender
NMLS ID #233782
OR ML #1018 | WA -233782

We are your local Northwest VA Home Loan Specialists. Helping eligible veterans take advantage of their well-deserved VA home loan benefit. We are your local mortgage broker with a casual environment and work as a team on all files.

A reminder to every veteran, active duty service member, and surviving spouse -You may be sitting on one of the most pow...
06/10/2026

A reminder to every veteran, active duty service member, and surviving spouse -

You may be sitting on one of the most powerful home buying benefits available — and not even know it.

Here's what a VA loan can do for you:

🏠 Zero down payment required — Most home loans require thousands of dollars upfront. With a VA loan, eligible borrowers can buy a home with nothing down.

💰 No Private Mortgage Insurance (PMI) — Most low-down-payment loans come with an extra monthly PMI cost. VA loans don't require it — ever. That can save you hundreds every single month.

📋 More flexible qualification standards — VA loans are often more accessible than conventional loans, making homeownership achievable for more veterans and military families.

🔁 A benefit you can use more than once — Many veterans don't realize their VA loan benefit can be used multiple times throughout their lifetime.

⚡ Limits on closing costs — The VA program puts a cap on what veterans can be charged in closing costs, saving you even more money.

Let's bust one more myth while we're at it — VA loans close on a similar timeline to conventional loans, and a strong VA offer is a strong offer. Don't let anyone tell you otherwise.
You worked hard and sacrificed for this country. The VA home loan benefit exists because of YOU — and we are honored to help you use it.

Whether you're buying your first home, upgrading, or simply exploring your options, we'd love to have a no-pressure conversation with you.
You served our country. Let us serve you.

📞 503-697-7214
📧 [email protected]
📧 [email protected]
🌐 oswegomortgage.com




Company NMLS ID # 233782
Oregon ML # 1018
Washington Broker # MB-233782
Loan Officer License # 263844, Thomas R. Fitkin
Equal Housing Opportunity
Loan Officer License # 1711935, Stephan Kelley

First-time buyer tip: Stop obsessing over the rate. 👀Don't get us wrong — it matters. But so does your loan type, down p...
06/03/2026

First-time buyer tip: Stop obsessing over the rate. 👀

Don't get us wrong — it matters. But so does your loan type, down payment, term length, and closing costs.

Most first-time buyers come to us laser-focused on one number, when really it's the full picture that gets you into the right home at the right monthly payment.

That's exactly what we're here for — to walk you through every piece of the puzzle so there are zero surprises along the way. No jargon, no pressure, just honest guidance from real people who care.

Ready to get started or just have a question? Reach out — we answer everything. 🙌

📞 503-697-7214
📧 [email protected]
📧 [email protected]
🌐 oswegomortgage.com






Company NMLS ID # 233782
Oregon ML # 1018
Washington Broker # MB-233782
Loan Officer License # 263844, Thomas R. Fitkin
Equal Housing Opportunity
Loan Officer License # 1711935, Stephan Kelley

Happy Memorial Day from all of us at Oswego Mortgage! We hope you are spending this beautiful day surrounded by the peop...
05/25/2026

Happy Memorial Day from all of us at Oswego Mortgage! We hope you are spending this beautiful day surrounded by the people you love, enjoying the warmth of good company and cherished traditions.

As we celebrate together, we also take a moment to pause and reflect on the true meaning of this special day — honoring the brave and selfless men and women who gave everything so that we may enjoy the freedoms we hold so dear. From our family to yours, we are deeply grateful and proud to remember their sacrifice today and always.





Company NMLS ID # 233782
Oregon ML # 1018
Washington Broker # MB-233782
Loan Officer License # 263844, Thomas R. Fitkin
Equal Housing Opportunity
Loan Officer License # 1711935, Stephan Kelley

Are you a veteran looking to buy a home or refinance? Look no further — Oswego Mortgage has been a VA Home Loan speciali...
05/22/2026

Are you a veteran looking to buy a home or refinance? Look no further — Oswego Mortgage has been a VA Home Loan specialist for 30 years, and we've built our entire reputation on making the process as easy as possible for the people who deserve it most.

Three decades. That's how long we've been helping veterans and active-duty service members navigate the VA loan process — and in that time, we've learned exactly what it takes to get you to the closing table without the headaches.

No runaround. No confusing jargon. Just experienced, veteran-focused guidance from start to finish. We know the VA loan process inside and out, and we use that expertise to make sure you're getting every benefit your service has earned you.

🏡 VA Purchase Loans
🔄 VA Refinancing
⭐ 30 Years of Specialized VA Experience
💪 Personalized, stress-free service

And while VA loans are our niche and our passion, we're a full-service mortgage company — so whether you're a veteran, a first-time buyer, or anyone in between, we have loan options to fit your situation. Everyone is welcome here.

But if you're a veteran? We've been waiting to work with you for 30 years.

Give us a call or shoot us an email — we're here to help and we'd love to hear from you.

📞 503-697-7214
📧 [email protected]
📧 [email protected]



Company NMLS ID # 233782
Oregon ML # 1018
Washington Broker # MB-233782
Loan Officer License # 263844, Thomas R. Fitkin
Equal Housing Opportunity
Loan Officer License # 1711935, Stephan Kelley

🏡 Thinking about buying a home this spring? Here's what the market is actually telling us right now.For the past few yea...
05/15/2026

🏡 Thinking about buying a home this spring? Here's what the market is actually telling us right now.

For the past few years, buyers have faced a tough combination: limited inventory, rising prices, and intense competition. But that's changing.

Here's what's different today:

📈 Inventory is up — more homes on the market means more choices and less pressure to rush into a decision.

💰 Prices have softened — median new-home prices have dropped to their lowest point since July 2021, giving buyers more room to negotiate.

⏳ The window is open — market conditions like these don't last forever. Buyers who do their homework now are positioning themselves ahead of the curve.

The bottom line? Affordability looks meaningfully different today than it did 12 months ago — and in some ways, better than many people realize.

At Oswego Mortgage, we don't believe in one-size-fits-all advice. We take the time to understand your financial picture, walk you through your options, and help you make a confident, informed decision — whether you're ready to move now or still planning for the future.

Every borrower is different. Your mortgage strategy should be too.

📞 Ready to find out what you qualify for? Reach out to our team today:

📞 503-697-7214
✉️ [email protected]
✉️ [email protected]

Or tap the link in bio to get started.

Company NMLS ID # 233782
Oregon ML # 1018
Washington Broker # MB-233782
Loan Officer License # 263844, Thomas R. Fitkin
Equal Housing Opportunity
Loan Officer License # 1711935, Stephan Kelley

⭐⭐⭐⭐⭐ Our clients say it best!At Oswego Mortgage, we believe that buying a home — whether it's your first or you've earn...
05/06/2026

⭐⭐⭐⭐⭐ Our clients say it best!

At Oswego Mortgage, we believe that buying a home — whether it's your first or you've earned it through service to our country — should feel exciting, not overwhelming. That's why we pour our heart into every step of the process: clear communication, expert guidance, and a team that genuinely cares about YOU.

🏡 First-time buyers — we'll walk you through every detail so you always know what's happening.
🇺🇸 Veterans — we're honored to serve those who have served us, with the specialized loan options you deserve.

These glowing reviews are the reason we do what we do. Thank you to our amazing clients for trusting us with one of the biggest milestones of your lives. 🙏

Ready to start your home journey? Let's talk!
📞 503-697-7214
✉️ tom@oswegomortgage
✉️ steve@oswegomortgage



Company NMLS ID # 233782
Oregon ML # 1018
Washington Broker # MB-233782
Loan Officer License # 263844, Thomas R. Fitkin
Equal Housing Opportunity
Loan Officer License # 1711935, Stephan Kelley

05/02/2026

Oregon Wine Walk featuring 60 wines from 30 Oregon Wineries
Featuring live music at two locations, including a jazz combo at title sponsor Oswego Mortgage, NMLS #233782

Saturday, May 9th (day before Mother's Day)
2-5 PM
Lake Oswego's Lake Grove neighborhood at businesses along Boones Ferry Road from Mercato Grove to West Sunset

$50 per person (must be 21+)
Details and tickets at lakeoswegochamber.com/events/oregonwinewalk

✅ APPROVED!Did you know that VA financing on a condominium requires the entire project to be VA approved? At Oswego Mort...
04/24/2026

✅ APPROVED!

Did you know that VA financing on a condominium requires the entire project to be VA approved? At Oswego Mortgage, we specialize in exactly that.

We've been helping condo projects earn VA approval for many years and can guide your HOA through every step of the process. Here's why it matters:

• It expands housing options for our veterans
• It opens the door to a broader pool of qualified buyers for sellers
• VA-approved status is especially beneficial for new construction projects, as the requirements for pre-sold units are less restrictive

If you know of a condo project in need of VA approval — or simply want to learn more — reach out to us today!

📞 503-697-7214
📧 [email protected]
📧 [email protected]




Company NMLS ID # 233782
Oregon ML # 1018
Washington Broker # MB-233782
Loan Officer License # 263844, Thomas R. Fitkin
Equal Housing Opportunity
Loan Officer License # 1711935, Stephan Kelley

VA home loans are one of the most valuable benefits available to those who’ve served 🇺🇸With $0 down payment, no PMI, and...
04/15/2026

VA home loans are one of the most valuable benefits available to those who’ve served 🇺🇸

With $0 down payment, no PMI, and flexible credit guidelines, homeownership may be closer than you think. But the advantages don’t stop there…

VA loans also typically offer competitive interest rates, limit certain closing costs, and don’t have prepayment penalties—giving you more flexibility now and down the road. And this isn’t a one-time benefit. Many eligible buyers can use their VA loan more than once, and in some cases even have more than one VA loan at a time.

If you’re active duty, a veteran, or an eligible surviving spouse, it’s worth taking a look at what you qualify for. A quick conversation can go a long way in helping you understand your options.

At Oswego Mortgage, we’re here to make the process simple, clear, and tailored to you every step of the way.

📞 503-697-7214
🌐 oswegomortgage.com
📧 [email protected]
📧 [email protected]




Company NMLS ID # 233782
Oregon ML # 1018
Washington Broker # MB-233782
Loan Officer License # 263844, Thomas R. Fitkin
Equal Housing Opportunity
Loan Officer License # 1711935, Stephan Kelley

A low interest rate doesn’t always mean better cash flow.We’re seeing many homeowners holding onto 2–4% mortgages while ...
04/01/2026

A low interest rate doesn’t always mean better cash flow.

We’re seeing many homeowners holding onto 2–4% mortgages while carrying high-interest debt at 20%+—which can take a bigger toll month to month than they realize.

For veterans, VA loans offer a powerful option: up to 100% cash-out to consolidate debt and improve monthly cash flow.

It’s not just about the rate—it’s about your full financial picture.

If you’re not sure whether this makes sense for you, Oswego Mortgage is here to help.

📞 503-697-7214
📧 [email protected]
📧 [email protected]




Company NMLS ID # 233782
Oregon ML # 1018
Washington Broker # MB-233782
Loan Officer License # 263844, Thomas R. Fitkin
Equal Housing Opportunity
Loan Officer License # 1711935, Stephan Kelley

Address

16500 Boones Ferry Road , Ste. 106
Lake Oswego, OR
97035

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+15036977214

Website

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