• Combine short-term construction and permanent financing into one loan to save you money and protect yourself from rising rates.
• Include the land purchase into your home loan.
• Borrow up to 95% of the home’s value (660 minimum FICO).
• Jumbo loans also available (720 minimum FICO).
• Receive up to a 15-month term and make interest-only payments during construction.
• Choose fixed or adjustable rates.
• Purchase or refinance a 1–4-unit primary home or second (vacation) home.
• Benefit from an interest rate reduction based on the market rate when construction is completed.
• Count on your loan officer to be a consistent resource, and once your loan is approved, you’ll have a dedicated custom construction team to support you.
• During the construction phase, live support is available or use Built, our online platform, to easily access the entire loan process, request loan draws, see key dates, check project status and more.
• Financing also available for lot-only purchase, FHA, VA and USDA loans.

Contact/s

Tony Cox 253-205-1526
tony.cox@bannerbank.com
NMLS# 570120

Terry Pemberton 360-280-4208
terry.pemberton@bannerbank.com
NMLS# 185396

• Starting as little as 10% down: We lend up to 90% LTC (Loan to Cost) on owner-occupied homes built with a licensed contractor.
• What starts at, stays at OlyFed: We don’t sell loans to third parties – that’d be like selling our relationship with you! We assure top-quality service by providing it ourselves.
• Everyone gets the same rate, No risk-based pricing with our home loans, You get our advertised rate regardless of credit score.
• Competitive interest rates – Automatically gives you the best rate before closing if a better number comes along, it’s yours.
• All in one financing: Close up-front on permanent financing – All in one loan no need to refinance and pay additional closing costs or take the risk of interest rates being higher.
• Jumbo loans – need $725,000 or more? We’ve got this with competitive jumbo rates.

Contact/s

Rebecca Bonneville – 360-275-6001
rbonneville@olyfed.com

• All-in-One fixed rate
• Fixed and adjustable rate products
• Land purchase, construction, and final mortgage (with modification)
• 12-month construction term (extension available at $175.00 per month)
• Fixed-rate during construction
• Interest-only payment during construction
• 80% LTV based on the equity of your project
• Max 85% loan to cost
• Jumbo loans construction specialists
• We have local underwriting and approval
• Responsive and quality hometown officers
• Disbursement can be processed via email or any Timberland Bank branch
• Primary, secondary homes, and investment properties
• 20-acre parcels, larger than 20 acres reviewed on a case-by-case basis

Contact/s

Liz Ringer – 253-328-0747
ELRinger@TimberlandBank.com

Jodi Danielson – 253-651-0247
JMDaniel@TimberlandBank.com

Gregory Cox – 360-740-0774 Ext. 1088
gregcox@timberlandbank.com​

• Land purchase, construction and final mortgage
• Max 80% LTV (with proposed structure)
• Minimum 700 credit score
• 1% Loan Origination Fee
• Property needs to be rural
• No acreage restrictions
• Farm income producing properties are always eligible (schedule F income) or zoned for Ag (EFU, Forest Zoning, etc.)

Contact/s

Tara Sawyer 503-844-7939
tara.sawyer@AgWestFC.com

Leslie Sanford 360-707-2357
leslie.sanford@agwestfc.com