Tools & Partners
Tools, partners, and programs Phuong Ha recommends to homebuyers, first-time owners, and aspiring loan officers across Oregon.
MLO Licensing
Resources for aspiring Mortgage Loan Officers preparing for the NMLS SAFE Act exam in Oregon.
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 PreviewQuestions
200
NMLS SAFE Act practice questions across all exam topics
Oregon Programs
State and federal programs that help Oregon homebuyers access affordable financing, down payment assistance, and educational tools.
Below-market interest rate mortgages from Oregon Housing and Community Services, paired with down payment assistance. Replaces the retiring Oregon Bond Residential Loan Program.
Visit OHCSGrant 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 OHCSFree tools and plain-English guides from the Consumer Financial Protection Bureau — covering mortgages, closing costs, rate shopping, and your rights as a homebuyer.
Visit CFPBLicensing & Oversight
Official resources for verifying mortgage professionals, understanding Oregon licensing requirements, and accessing federal housing programs.
The official national registry to verify any mortgage professional's license, credentials, and disciplinary history. Always verify before you work with an MLO.
NMLSConsumerAccess.orgOregon's mortgage licensing authority. Oversees MLO licensing, consumer complaints, and regulatory compliance for mortgage professionals operating in Oregon.
dfr.oregon.govFederal agency overseeing FHA loans, fair housing law, homebuyer education, and housing assistance programs nationwide. An essential reference for any homebuyer.
hud.govBy Referral Only
Phuong Ha is finalizing a short list of hand-picked Oregon agents — personally vetted and selected for their track record with first-time buyers and loan-sensitive transactions.
Phuong personally refers clients to a small circle of trusted, Oregon-based real estate agents — chosen for their responsiveness and their experience guiding first-time and down-payment-assistance buyers to the closing table. The full list is being finalized. Working with an agent already? Phuong is happy to coordinate directly.
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.
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.