Hillsboro is the capital of Oregon’s Silicon Forest — the high-technology corridor running west of Portland through Beaverton and Hillsboro where semiconductor manufacturing, advanced electronics, bioscience, and software companies have clustered since Intel established its first Oregon fabrication facility in Aloha in 1976. Intel’s Oregon operations — spread across four campuses in Hillsboro and Aloha — remain Intel’s largest and most comprehensive site in the world, a global center for semiconductor research and manufacturing that the company describes as the anchor of Oregon’s economy. Intel’s recent restructuring has brought its Oregon workforce from its peak of approximately 23,000 to closer to 18,000 as of late 2025 — a significant transition that has created specific mortgage market dynamics: employees navigating RSU and compensation complexity after layoff events, buyers reassessing timing as the company repositions, and long-tenured engineers and researchers who remain and are purchasing homes with full confidence in their career trajectory. At Loans by Lehrman, we understand how to work with Intel’s compensation structures — base salary, RSU vesting history, discretionary bonuses — and how to structure documentation accurately for buyers at every stage of that employment arc.
Hillsboro’s technology ecosystem extends far beyond Intel. Genentech, Qorvo, Jireh Semiconductor, NTT Global, Tokyo Electron, and Nvidia all have operations in the city. The Greater Portland community profile for Hillsboro identifies the city as the epicenter of the Silicon Forest, home to a globally recognized concentration of semiconductor manufacturing, microelectronics, bioscience, software, and information technology companies. NeighborhoodScout data show that Hillsboro has more residents working in computers and mathematics than 95% of places in the United States — a market fact that shapes the borrower profile as precisely as any demographic data could.
Hillsboro’s healthcare anchor is Kaiser Permanente Westside Medical Center at 2875 NE Stucki Ave — the first new hospital built in Washington County in 40 years when it opened in 2013, the first hospital in Oregon to receive LEED Gold certification, and the only significant hospital in the county. Employing more than 1,000 people and caring for nearly 64,000 patients annually, Kaiser Westside records approximately 41,000 emergency room visits, 22,600 hospital encounters, and 9,700 surgeries per year, with 1,300-plus births in 2022. Its physician staff — recruited to serve Washington County’s rapidly growing population of technology and healthcare professionals — represents a consistent physician homebuying market that our physician loan programs are built to serve.
Hillsboro’s median home price in early 2026 is approximately $498,000 to $525,000 depending on the source, well within the 2026 Washington County conforming limit of $832,750. But the Silicon Forest premium is real and neighborhood-specific. Northwest Hillsboro, with direct proximity to Intel’s Ronler Acres campus, posted a median sale price of $570,000 in February 2026. Reed’s Crossing — Oregon’s largest master-planned community with over 4,000 homes and builders including David Weekley, Stone Bridge Homes NW, Lennar, and Holt Homes — delivers new construction from $400,000 to above $770,000 at the upper end. Orenco Station’s single-family homes command a median near $575,000. For buyers in these upper-tier corridors, specialty financing matters.
Deep familiarity with Hillsboro's neighborhood price tiers — Orenco Station, Northwest Hillsboro, Reed's Crossing, Brookwood, and Witch Hazel Village
Intel RSU and equity compensation income documentation — two-year vesting history analysis, blended income calculation, and post-layoff documentation strategy for retained employees
Physician loan programs for Kaiser Permanente Westside Medical Center physicians and OHSU Health Hillsboro Medical Center clinicians
Jumbo programs for Northwest Hillsboro, Orenco Station, and Reed's Crossing upper-tier properties approaching or exceeding the $832,750 Washington County conforming limit
One-Time Close Construction loans for Reed's Crossing and active Hillsboro new construction communities
Silicon Forest income expertise extended to Genentech, Qorvo, Nvidia, and other Washington County technology employers
Rate-independent guidance through every market cycle
Ryan Lehrman, NMLS #235295
Hillsboro’s upper-tier neighborhoods — Northwest Hillsboro ($570,000 median), Orenco Station ($575,000 single-family median), Reed’s Crossing Stone Bridge tier ($770,000–$800,000) — regularly require financing above the $832,750 Washington County conforming limit for buyers purchasing at those price points with moderate down payments.
For Hillsboro’s most premium properties — custom estate builds in West Union and the rural Washington County fringe, executive homes at the top of Northwest Hillsboro — our super-jumbo programs serve
high-net-worth Silicon Forest buyers with complex income structures.
Kaiser Permanente Westside Medical Center’s 1,000-plus employees and active physician recruitment pipeline create a robust and consistent physician homebuying market in Washington County. Our physician programs eliminate PMI, accommodate student debt, and qualify borrowers on offer letters.
Reed’s Crossing — Oregon’s largest master-planned community — and Witch Hazel Village are delivering new construction throughout the South Hillsboro corridor. Our One-Time Close program locks your rate before construction begins and converts automatically to a permanent mortgage at completion.
Intel’s Hillsboro compensation structures are among the most complex in the Oregon market. Engineers, researchers, and product developers at Intel typically receive base salary combined with RSU grants that vest quarterly or semi-annually, annual performance bonuses that vary with company results, and in some cases deferred compensation or special retention awards. For Hillsboro buyers who remain Intel employees after the 2025 restructuring, the key documentation questions are: What is the RSU vesting history? Has the grant size changed? Is the position secure enough to support an expectation-of-continuance analysis? We work through every layer of Intel compensation documentation as a standard part of our intake for Silicon Forest borrowers — not as an exception process.
Washington County’s effective property tax rate is approximately 0.87% — lower than Multnomah County’s 0.96%. For a buyer purchasing a $600,000 home in Hillsboro, that differential translates to approximately $540 per year in property tax savings compared to an equivalent purchase in Portland. Combined with Oregon’s no-sales-tax environment, Hillsboro buyers benefit from a total cost-of-ownership structure that is meaningfully more favorable than Portland’s, even at comparable purchase prices.
Hillsboro’s housing market reflects a proximity-to-campus premium that is measurable and well-documented. Brookwood — the neighborhood between Intel’s Ronler Acres campus and the Tanasbourne retail corridor — is populated primarily by Intel employees who value a short commute and consistent neighborhood quality. Northwest Hillsboro, which borders Intel’s campus directly, consistently trades at Hillsboro’s highest neighborhood medians. Orenco Station — the award-winning transit-oriented development originally designed around the MAX Blue Line’s extension to Hillsboro — draws Intel employees and other technology professionals who want walkability, transit access, and proximity to the campus corridor. Understanding how each Hillsboro neighborhood’s value relates to the Intel campus geography is part of the conversation we have with every Hillsboro Silicon Forest buyer.
The 2026 conforming loan limit for Washington County — which includes all of Hillsboro, Beaverton, and the surrounding communities — is $832,750 for a single-family home. Oregon has no high-cost counties, so this baseline applies statewide. With Hillsboro's median around $498,000 to $525,000, most transactions are conforming — but upper-tier neighborhoods like Northwest Hillsboro ($570,000 median), Orenco Station ($575,000 single-family median), and Reed's Crossing Stone Bridge homes ($770,000+) can cross the conforming threshold for buyers with moderate down payments.
RSU income from Intel is typically includable in jumbo qualification when the borrower has a documented two-year vesting history and there is a reasonable expectation of continued employment and vesting. For Intel employees who survived the 2025 restructuring and remain in active positions, we structure documentation around the current grant schedule, the two-year history, and any changes to grant size or vesting cadence — presenting the most accurate and supportable qualification picture to the lender.
Yes. Our physician loan programs apply to physicians employed at Kaiser Permanente Westside Medical Center, OHSU Health Hillsboro Medical Center, Providence Medical Group Tanasbourne, and any accredited medical employer in Washington County. No-PMI financing, student debt accommodation, and offer letter qualification apply to all eligible physician borrowers in Hillsboro.
I’m here to support you every step of the way. If you’re ready to turn your home financing goals into your new reality, let’s work together.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
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