Welcome to Freestone Mortgage LLC!
The Freestone Mortgage LLC team is your local retirement mortgage broker in Oregon City, Oregon, committed to helping you make informed decisions about your home equity. Dedicated to integrity, transparency, and personalized guidance, we ensure every client is treated with the dignity and respect they deserve. Our unwavering commitment to exceptional service has earned us an A+ Exemplary Rating from the Better Business Bureau (BBB)—a reflection of the trust we’ve built within our community.
At Freestone Mortgage, our mission is to empower your retirement journey with a holistic approach that blends transparent financial insight with real-life lifestyle goals. We harness innovative technology and deliver personalized education to help you make confident, data-driven decisions for a secure, fulfilling retirement. Rooted in the heart of the Pacific Northwest, we’re more than a local retirement mortgage broker—we help clients make informed decisions about their home equity as a trusted guide dedicated to building brighter, more resilient futures for our community.
Enjoy Retirement To The Fullest- Take The First Step Now
Searching for a local retirement mortgage broker in Oregon can feel overwhelming, but we're here to simplify the process for you. We take the information you provide to us and run it through our proprietary software that provides actual metrics based on your data. The results can give you a better idea of how much money you will need to meet your goals, how long your funding will last and what the costs and benefits would be for the various options you are considering like staying in your home, selling your home and buying another one or moving to a care community. These data-driven insights help ensure our support is as straightforward and transparent as possible.
Our commitment is to learn about your needs and offer guidance based on your goals. We want to set you up for the most optimal retirement funding strategy to meet your goals today and in the future. Take the first step to getting the information you need to start your decision-making process by filling in the form below, and we will provide data-driven insights for you to review.
How much do you qualify for?
No Obligation. No Credit Check.
Unsure if a Retirement Mortgage is Right For You?
Let us know and our experienced local retirement mortgage broker will be happy to offer some guidance.
Who Can Get a Retirement Mortgage?
Understanding the eligibility criteria is the first step in exploring how a retirement mortgage can support your long-term goals.
✔️ Age Requirement:
At least one homeowner must be 62 or older to qualify for a HECM (Home Equity Conversion Mortgage), or 55 or older for the proprietary options (60 in Washington State). It's a good idea to start exploring these options before you reach the age requirement, so you can make your plans.
✔️ Primary Residence
The property must be your primary residence, meaning you live there for the majority of the year. Second homes are now eligible for a retirement mortgage in some states, upon meeting specific occupancy criteria.
✔️ Eligible Property Types:
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Single-family homes
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Owner-occupied 2–4 unit properties
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FHA or Lender approved condominiums
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Certain manufactured homes (must meet FHA guidelines)
✔️ HUD-Approved Counseling:
Before moving forward, all applicants must complete a counseling session with an approved counselor. This ensures you understand the terms, benefits, and responsibilities involved. Counseling can be completed by phone or in person. When you receive a loan estimate from us, a list of counseling companies will be included for you to choose from.
✔️ Financial Assessment:
A retirement mortgage is designed to be a sustainable solution throughout your years. That’s why every applicant undergoes a financial assessment to confirm they can maintain essential expenses like property taxes, homeowner’s insurance, and basic upkeep of the home.
At Freestone Mortgage, we’re here to walk you through each of these steps, making sure a retirement mortgage truly fits your lifestyle and financial plan. As a local retirement mortgage broker, we base our suggestions on data-driven insights so you can have transparent answers and supported guidance.
How Much Can You Borrow with a Retirement Mortgage?
A common question we hear: “How much can I get from a retirement mortgage?”
The answer depends on several personalized factors, but typically, you can access a large portion of your home’s value.
📊 Key Factors That Influence The Retirement Mortgage Loan Amount
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Your Age: The older the youngest borrower, the more you may be eligible to borrow.
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Current Interest Rates: Lower rates generally increase borrowing potential.
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Retirement Mortgage Program Chosen: FHA-backed HECMs and proprietary (jumbo) programs offer different loan structures.
🏦 Loan Limits to Know
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For 2025, the FHA HECM lending limit is $1,209,750.
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Considering a higher-value home? Our proprietary mortgage programs allow access to equity on properties valued up to $4,000,000, depending on qualifications.
At local retirement mortgage broker Freestone Mortgage, we specialize in helping you understand how your home equity can support the life you want — now and in the future. If you're curious about how much you could access or whether you qualify, we're here to guide you with clarity and care.
📞 Connect with us today for a personalized retirement mortgage assessment: no pressure, just transparent answers.
What is a Retirement Mortgage?
A retirement mortgage is a mortgage loan for seniors over the age of 55 (in most states) that allows them to convert equity in their home into cash or a line of credit.
Our clients are the foundation of our success:
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My wife and I (9 months pregnant!) recently found our dream property, and despite the chaos of life, we decided to move forward. After having some delays with our mortgage... read more
Ryan Lord
Freestone is the place to go if you are needing to refinance or purchase a home! They made the process simple and answered every question I had. Highly recommend Freestone... read more
Cassie Anderson
Riley Anderson is the utmost in professionalism. He is kind, understanding and thorough in his work and communication skills. I will obviously be using Riley for future transactions. ... read more
corkygirl615
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Riley was great to work with. He was always prompt to answer all of our questions and helped us close early. He acts with great professionalism, and always made sure... read more
joshua kutcher
I can't say enough good things about Riley! He always goes above and beyond for my clients, and it's clear he truly has their best interests in mind. He's consistently... read more
JJ Spitler
Riley was great to work with! He got us the best rate we could have asked for, he kept us up to date and followed up regularly, and he helped... read more
Emily Boen
