Bashar Matti

In the Portland metro, first-time buyers typically need between 3% and 20% of the home price as a down payment, plus roughly 2% to 4% for closing costs. For a $500,000 home, that is anywhere from $25,000 (with a 3% down FHA loan) to about $120,000 (with 20% down and closing costs). First-time buyer programs through Oregon Bond, FHA, and some lenders can reduce the down payment significantly. I introduce you to lenders who specialize in your specific situation.

Yes. International buyers and newly arrived residents qualify for Portland mortgages, and I specialize in connecting you with lenders who understand your situation. If you are new to the US, you may work with a lender who handles ITIN loans, international income verification, or non-traditional credit history. The Portland lenders I introduce you to regularly serve international buyers and immigrant families.

In a balanced Portland metro market, a well-priced and well-prepared home typically goes under contract within 2 to 4 weeks of listing. In a hot market, it can be days. In a slower market, 60 to 90 days is common. Pricing has the biggest impact on time on market. Overpriced homes sit and ultimately sell for less.

Yes. I speak English, Arabic, and Aramaic fluently, and I have extensive experience helping families relocating from the Middle East, Europe, and Asia. International relocations involve additional considerations around financing (ITIN loans, international income), timing (visa status, work start dates), and cultural considerations. I handle all of it with care.