Our caring and knowledgeable team has the tools, strategies, and resources to help you accomplish your goals. Please reach out and we’ll be happy to answer your questions or start your application.

Go tried and true with classic 10, 15, 20 and 30 year terms and up to 97% financing.

Like a Conventional loan, minus the red tape of a government rehab loan.

Exercise your equity for home improvements, debt consolidation, education, and other uses.

Discounted rates and fees are our housewarming gift to you.

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Not only do we roll construction costs and permanent financing into one convenient package, we also close up-front on permanent financing, hold your interest rate at application (if the rate goes down prior to closing, you receive the lower rate), accept ‘interest only’ payments as funds are used during the construction period and have no prepayment penalties. We also provide an automated project management system.

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Leverage the value you already have with our Home Equity Loan Program.

Be sure to ask about our Green Choice Retrofit HELP! This loan is perfect for upgrading or retrofitting your home with energy-efficient components like: ductless heating systems, Low E windows, upgraded insulation, tankless water heater, energy efficient appliances and solar panels.

This program provides:
1.) Borrow up to 90% of your home’s value.
2.) Loan fee waived with low closing costs*.
3.) Reduced interest rate.

*With all proceeds for upgrades done by a licensed contractor.

You need $825,000 or more? We got this!

Yes, you can live the dream. To help eliminate the barriers to homeownership, we’ve created a special loan program for potential borrowers with earnings at 80% or less of the median income levels in Thurston and Mason counties. To provide flexibility and choices, we offer a purchase, refinance and construction options.

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Getting a new mortgage to replace your current one may be the right solution.

Build, buy or retrofit for energy efficiency and help protect the planet.

Our Energy efficient mortgage provides three distinct advantages when buying green:

1.) Provides More Borrowing Power: We consider your future energy savings to qualify you for greater buying potential. Using the Home Energy Rating System (HERS)* report to determine your eligibility, this realized value is available to those with a rating of 55 or lower.

2.) Lends Up to 85% Without Private Mortgage Insurance (PMI): Applies to loans $824,999 and below.

3.) Qualifies for a Reduction in Loan Fees: 0.50% off loan origination fee**.

*HERS efficiency is measured in a range from 0 to 150; 0 being the most efficient. The HERS rating is a  result of a Residential Energy Analysis (REA) report.  Need help in getting a REA Report? Contact us and we’ll connect you with a Loan Officer who will be happy to assist you. 

**0.50% off loan fee for loans $824,999 and below. 

Buy the property now, build when you’re ready. Enjoy minimal closing costs and future construction loan fee discounts. By choosing us, you’ll be eligible for 1/2% off your permanent construction loan fee when you decide to build your home.

We have a specially designed program for that.

*Apply in branch.