How to Buy a Home for the First Time in Oregon City and Canby

Buying your first home is one of life’s biggest milestones. It can also feel overwhelming, especially with today’s changing real estate market. If you’re looking to buy your first home in Oregon City or Canby in 2025, here’s a step-by-step guide to help you get started with confidence.

1. Start with Pre-Approval

Getting pre-approved for a mortgage is the first step. It shows sellers you’re serious and gives you a clear picture of what you can afford. In my experience helping first-time buyers in Clackamas County, this step often makes the difference between winning an offer and losing out.

2. Understand the Local Market

• Oregon City: Known for its historic charm and the Willamette Falls redevelopment project, which is bringing new life to downtown. Inventory tends to be competitive for homes under $600K.

• Canby: A tight-knit community with strong schools and small-town charm, yet convenient to I-5. Entry-level homes can move quickly here too.

3. Explore Financing Options

Beyond conventional loans, first-time buyers often look at:

• FHA loans (lower down payment requirements)

• USDA loans (some rural-eligible areas near Canby)

• First-time buyer assistance programs offered in Oregon

4. Factor in More Than the Purchase Price

Don’t forget about closing costs, inspections, insurance, and ongoing maintenance. I always walk my buyers through a realistic monthly budget so there are no surprises after the keys are in hand.

5. Make an Offer with Confidence

In 2025, many homes in the $400K–$600K range are still seeing multiple offers. Being prepared — pre-approved, flexible, and guided by a local expert — helps you stand out.

Final Thought: Buying your first home can feel overwhelming, but with the right guidance, it can also be incredibly exciting. If you’re starting your search in Oregon City or Canby, I’d be glad to share local insights that go beyond what you’ll find online.

About Jennifer Schurter
Jennifer Schurter is a relationship-centered real estate agent serving Oregon City, Canby, and the North Willamette Valley. With nearly 20 years living in Canby and deep family roots in Clackamas County, Jennifer combines local expertise with a warm, down-to-earth approach to help her clients buy and sell with confidence.