Neil Vandehey - Loan Originator -NMLS #403944

10/15/2026

Just published 👇

5% down payment — the program's 580-score, low-down-entry rules exist precisely for that situation.

FHA loans open the door at 3.5% down with a 580 credit score, but carry a lifetime mortgage insurance premium.

10/09/2026

Weekdays are busy for most people, so I know a mortgage conversation can be tough to fit in between work and everything else. That’s why I’m available most weekends. If you’re wondering about buying a home, refinancing, current mortgage rates, or what pre-approval looks like, bring your questions. No question is too small. Message me or give me a call anytime and let’s talk it through.

HomeloanwithNeil
The opinions and positions expressed here are my own and do not necessarily represent those of OnPoint Community Credit Union.

10/09/2026

Buying a home in Vancouver, WA in 2026 comes down to one number: what you can afford in a market where the median closed sale price sits near $469,847 ( Resideline ).

What do you think?

A comprehensive guide to the Vancouver, WA mortgage market — local loan programs, WSHFC down payment assistance, and Clark County tax and price insights.

10/09/2026

A pre-approval from a lender who knows Portland beats a generic letter from a national online lender — because in this market, sellers read it as proof you can actually close.

What do you think?

Master the Portland housing market with Neil Vandehey's expert guide to getting mortgage pre-approved and winning your dream home.

10/08/2026

“Neil helped us with an OnPoint refi. Not only was he able to get us the best rate among the handful of lenders we considered, he ensured that the application and approval process stayed on track all the way through closing. Smooth sailing from start to finish!”

David K.

https://www.experience.com/reviews/neil-12676676/3d942a44-6944-4af9-954c-e5d3cf219617

09/24/2026

I joined my 8 year old for school lunch today. Somehow I got recruited for 3rd grade kickball during recess. I see why grownups join a league. It’s fun!

09/23/2026

Thanks for stopping by the office today Chanel Lester at Premier Property Group! Folks if you want both a great agent AND a cute little complementary car air-fresher, let me know.
Chanel Lester

09/22/2026

Thinking about buying a home but not sure where to start?

Here’s the roadmap:
1️⃣ Get Pre-Approved
2️⃣ Find Your Realtor
3️⃣ Define Your Needs
4️⃣ Tour Homes
5️⃣ Make an Offer
6️⃣ Complete Inspections & Loan Approval
7️⃣ Get the Keys!

Every homeownership story starts with a first step. The sooner you understand the process, the more confident you’ll feel when the right home comes along.
💬 Which step are you currently on? Let me know in the comments!

09/11/2026

It seems everyone in this industry wants to tell you what happens if you wait. Rates might climb. Prices might climb. You might miss your window. I’m not here to do that.

Buying a home is one of the biggest decisions you’ll make, and it deserves timing that’s right for you, not a countdown clock built to rush you into a mortgage you’re not ready for.

So here’s my approach: I’ll answer your questions, walk you through your loan options, help you understand what you can actually afford, and give you a real picture of the home buying process, all without the pressure. When your finances line up, your life lines up, and you feel confident, I’ll be ready to help with a pre-approval, guidance, and a plan built around you.

Until then, I’m simply here for you. No pressure, no countdown. Just support, whenever you’re ready to take the next step toward homeownership.