Home Loans

Finding the right home is inspiring. That's why making it yours matters so much. And that's why at Banner, we listen, learn and help you find the home loan» that lets you achieve your dreams.

Apply for a home loan today:

Couple throwing bills in the air at home

Refinance your home loan today

With low rates, now might be a great time to refinance your home loan to 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.

Young couple hug and celebrate after moving into their new home, financed by Banner Bank

Achieve your dream with 3% down

With 97% financing from Banner Bank, it's easier to become a homeowner with our Affordable Home Loan Programs. 

  • Maximum conforming loan limits for conventional loans
  • 97% financing
  • Up to 100% gift of down payment
  • Options available to purchase or refinance your dream home
  • Minimum credit score of 620 for each applicant
  • Income limits may apply
  • Primary residences only

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

Home in process of being built

All-in-One Custom Construction Loans

Short term construction, renovation costs and permanent financing are conveniently rolled into one loan with one set of closing costs.

  • Up to 95% loan-to-value—subject to approval
  • Land or lot purchase can be included in the cost of the project
  • Up to 15-month term during construction, fixed-rate financing
  • Fixed and adjustable rates available
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.