• For 10, 15, 20, and 30 year terms
• Ideal for long-term homeownership
• Available for primary residence, second homes, and investment properties

Adjustable Rate Mortgages – Enjoy a lower monthly payment.

• 5/6, and 7/6 ARMs

Low down payments for first-time homebuyers.

• As low as 3% down payment
• Down payment funds can be gifted
• Fixed rate loan with terms up to 30 years
• Available for primary residence purchases only with LTV ratios greater than 95% up to 97%
• Not available for manufactured homes
• At least one borrower must be a first-time home buyer

With our 80-20 Home Loan, 80% of the purchase is the 1^st mortgage, and 20% is the 2^nd. $0 down payment.

• 80% of the purchase is your 1st mortgage, which will have a 30-year amortization with a 15-year balloon payment
• 20% of your purchase (essentially your down payment) will also have a 30-year amortization with a 15-year balloon payment
• No PMI

Sign one set of documents, pay one set of fees, and save time and money as your construction-phase financing rolls into your permanent mortgage.

• Choose between an adjustable or fixed rate
• Interest-only payments during construction phase (up to 12 months

Buy and renovate with a single loan based on expected value.

• For residential lots or unimproved land
• Fixed rates
• Up to 75% loan to value of purchase price
• Easy conversion to a construction loan

• A short term loan option for homebuyers who don’t sell their current home before closing on a new one.

Save up to $500 for energy efficient homes.

• Home must be certified through LEED, Energy Star, or Earth Advantage
• Call 360.891.4028 or schedule an appointment to learn more

Retire your payments by refinancing and entering retirement mortgage free.

• Terms from 5 to 12 years
• Low rates
• Typical closing costs range from $1,000 – $1,500, plus a $500 origination fee.