Home Loans

Buying a home is likely one of the biggest investments you will make. That’s why at Banner, we listen, help you understand the financing process, and explain the options so you can select the best loan» for your situation. Whether you are buying a home, taking on a major renovation, building a custom home, or refinancing, we are here to help. Contact us today to get started.

Apply for a home loan today:

We've added more Home Loans to fit your needs:

Install solar panels with our PowerWise Home Loan
PowerWise Home Loan
Build, buy or update your home free from the power grid. If you want a home that’s as environmentally responsible as you are, consider our PowerWise Home Loan.
Combine loan requirements with our Household Plus loan
Household Plus
Today’s household is defined by its members. Our Household Plus mortgage lets residing family members or boarders contribute up to an additional 30% of the borrowers’ qualifying income.
Home Fresh second mortgage may be an affordable option
HomeFresh Second Mortgage
If you’re buying a house that needs work, you may be able to combine our AMP loan with the HomeFresh Second Mortgage that provides financing for property improvements.
Young couple hug and celebrate after moving into their new home, financed by Banner Bank

Buying a home could be within reach

Our Affordable Mortgage Program (AMP) can help you buy or refinance a home by offering a fixed rate, ways to reduce your down payment, closing costs and more. Some of the features include: 
  • Borrow up to 97% financing of the home's value to purchase or refinance the home
  • Borrow up to 99% of the home's value toward purchase with our no-payment, no-interest down-payment assistance loan (to be repaid when home is sold or refinanced)
  • Mortgage insurance may be required

With a Banner Bank home loan, you'll get:

Competitive rates and fees percentage sign

Competitive rates and fees


In-house approvals and fast processing


Clear and responsive answers


Exceptional client service

Tips on buying a home
Homebuyer Education Classes
If you’re looking to buy a home let us walk you through the process. Our specialists will listen to you, explain the options and help you find the best home loan for your situation.
Houseboats in Seattle, WA
Floating Home Loans
Available in the Portland and Seattle areas, our floating home loans come with flexible terms and affordable monthly payments to help you make your dream a reality.
Refinance your Home Loan with Banner
Refinance Today
With low rates, refinancing your home loan may lower your monthly payments, finance home renovations and more. Our team of mortgage loan officers can help you determine if a refinance may be right for you.
Buy a home and sell a home in that order
Bridge Loans
Buy a home then sell your home. We offer temporary financing for your down payment on a new house, giving you time to sell your current residence and secure permanent financing.
Home Renovation Financing Options
A couple review their improvement plans
One of the first big decisions when starting a home improvement project is planning how to pay for it. See what options we offer to fund your next home project.
Tips on Financing a Home Build or Remodel
Couple on the floor of empty house looking at remodel options

Building or remodeling a home is an exciting project, yet it can be daunting. Here are some great ideas for getting started on building your dream home or remodeling your current home to make it perfect.

Four Steps to Improve Your Credit Score
Person paying bills and reviewing finances

Thinking of a mortgage or home refinance? A higher credit score could mean a better rate. That's why knowing your credit score is an important first step. In this blog, we share four steps you can take to improve your credit score.

Subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or current Banner Bank deposit clients. View a list of Banner Bank's Mortgage Loan Originators National Mortgage Licensing System ID numbers.