Tools & Partners

Resources.

Tools, partners, and programs Phuong Ha recommends to homebuyers, first-time owners, and aspiring loan officers across Oregon.

MLO Licensing

Exam Prep

Resources for aspiring Mortgage Loan Officers preparing for the NMLS SAFE Act exam in Oregon.

Free Tool

NMLS SAFE Exam Prep

Free 5-question preview of our 200-question NMLS practice exam — built for aspiring MLOs in Oregon. Covers federal law, ethics, lending standards, general mortgage knowledge, and Oregon-specific guidelines. Full access available by request.

Start Free Preview

Questions

200

NMLS SAFE Act practice questions across all exam topics

Oregon Programs

Homebuyer Programs

State and federal programs that help Oregon homebuyers access affordable financing, down payment assistance, and educational tools.

State Program

Oregon Bond Residential Loan Program

Below-market interest rate mortgages for first-time homebuyers in Oregon, offered through Oregon Housing and Community Services. Can be paired with down payment assistance.

Visit OHCS
State Program

Oregon Down Payment Assistance

Grant and deferred loan programs through OHCS to help Oregon buyers cover down payment and closing costs. Income and purchase price limits apply by county.

Visit OHCS
Federal

CFPB Homebuyer Tools

Free tools and plain-English guides from the Consumer Financial Protection Bureau — covering mortgages, closing costs, rate shopping, and your rights as a homebuyer.

Visit CFPB

Licensing & Oversight

Regulatory Links

Official resources for verifying mortgage professionals, understanding Oregon licensing requirements, and accessing federal housing programs.

Verify

NMLS Consumer Access

The official national registry to verify any mortgage professional's license, credentials, and disciplinary history. Always verify before you work with an MLO.

NMLSConsumerAccess.org
Oregon

Oregon Division of Financial Regulation

Oregon's mortgage licensing authority. Oversees MLO licensing, consumer complaints, and regulatory compliance for mortgage professionals operating in Oregon.

dfr.oregon.gov
Federal

HUD — U.S. Dept. of Housing and Urban Development

Federal agency overseeing FHA loans, fair housing law, homebuyer education, and housing assistance programs nationwide. An essential reference for any homebuyer.

hud.gov

By Referral Only

Phuong's Top 3 Realtors

These are the three agents Phuong Ha refers clients to — personally vetted, Oregon-based, and selected for their track record with first-time buyers and loan-sensitive transactions.

01
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Realtor Name
Brokerage Name

Specialty area — first-time buyers, DPA transactions, Portland metro, etc.

Phone coming soon Website coming soon
02
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Realtor Name
Brokerage Name

Specialty area — first-time buyers, DPA transactions, Portland metro, etc.

Phone coming soon Website coming soon
03
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Realtor Name
Brokerage Name

Specialty area — first-time buyers, DPA transactions, Portland metro, etc.

Phone coming soon Website coming soon

Coming Soon

Preferred Vendors

In Progress

Preferred Vendors — Coming Soon

Phuong Ha is curating a vetted network of Oregon title companies, real estate attorneys, home inspectors, and credit specialists. Check back soon — or reach out if you'd like to be considered.

Title Companies Real Estate Attorneys Home Inspectors Credit Specialists Escrow Services
Contact Phuong Ha

Phuong Ha, NMLS #1839449. Mortgage Solutions of Colorado, LLC., dba Mortgage Solutions Financial, NMLS #61602. Equal Housing Lender. NMLSConsumerAccess.org · Not a commitment to lend. External links are provided for informational purposes only and do not constitute an endorsement.