Home Loans

Let's get you home.

Whether you’re buying your first, upgrading, or looking for something that fits life’s next chapter—our local experts have you covered. Not sure where to start? Call the team at 360-891-4028.

Let's get you home.

Whether you’re buying your first, upgrading, or looking for something that fits life’s next chapter—our local experts have you covered. Not sure where to start? Call the team at 360-891-4028.

I'm looking to...

Buy my first home

Find workshops and mortgage programs made to get first-time homebuyers home.

Purchase land

Lock down your lot with a Lot or Land Loan so you're ready to build as soon as possible.

Buy and renovate

Use a Renovation Loan to buy and renovate with a single loan based on expected value.

Build my dream home

Custom Construction Loans roll construction-phase financing into your permanent mortgage.

Refinance

Refinance your home mortgage with a better rate to enjoy lower payments.

Buy a 2nd home

Find the right mortgage option to seal down your second property.

Not sure where to start?

Meet with one of our Home Loan Officers to find what’s right for you.

HOME LOAN

Purchase Rates

Updated on October 4, 2022

7/6 ARM

15-year fixed

30-year fixed

Jumbo 15-year fixed

Jumbo 30-year fixed

VA 30-year fixed

FIRST-TIME HOMEBUYERS

Feel like you'll never get into a home of your own?

We get it. That’s why we offer workshops for first-time-homebuyers, mortgage programs with low down payment options, and one-on-one guidance for the home loan process.

Register for one of our free workshops to learn about:

  • Getting ready to buy
  • The home buying process
  • Home owning tips + take home materials

Bridge Loans

Need to buy before your old home closes?

A Bridge Loan gives you short-term cash while you wait for your old home to close.

Am I ready to buy a home? – Let’s Talk

 FHA Loans

Federal Housing Administration Loan

An FHA Loan is a mortgage that’s insured by the Federal Housing Administration, allowing you to finance your home with a down payment as low as 3.5%. These are especially popular with first-time homebuyers.

Home Loans for Veterans

Get up to 100% financing through the VA

Find low or no down payment mortgage options backed by the Veterans Benefits Administration. Servicemembers, veterans, and eligible surviving spouses can access great programs to purchase, refinance, and make improvements with help from the VA and Columbia Credit Union.

Refinance Calculator

Refinance your home mortgage.

Refinance your home mortgage with a better rate to enjoy lower monthly payments. You can apply for a loan online or use our calculator to see what you could save by refinancing now.

Mortgage Calculator

Use our handy mortgage calculators for budgeting help, loan calculations, and more.

Mortgage Programs

Mortgage Programs

Financial education lesson

Should I refinance my mortgage?

Read the article to learn about refinancing your mortgage.

Home Mortgage Refinancing Basics

Take a look at some common reasons to refinance your loan and questions you should ask before you embark on your home refinancing journey.