Oregon’s housing market may have cooled slightly, but it’s certainly not cold. At least not yet. “I like to describe the market as having gone from white hot to red hot, but it’s definitely in the cooling phase,” said Drew Coleman, founder of Portland-based Opt Real Estate and past president of the Oregon Realtors Association. As the U.S. Federal Reserve continues to raise its benchmark interest rates — it raised rates by another 0.75 percentage points last week — mortgage payments go up, scaring some homebuyers away from deals they might have accepted had rates been lower. As the U.S. Federal Reserve raises interest rates, homebuyers’ prospective mortgage payments go…