Government Loans

Our Government loan options can get you into a new home

FHA, VA and USDA Rural Development Loans

If you are looking for a government home loan, Banner Bank has you covered with our wide range of loan options. 

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

Federal Housing Administration (FHA) Loans:

  • Borrow up to 96.5% of the home's value
  • Cash out up to 85% when you refinance your home
  • May use assistance program or gift funds for down payment
  • Choose fixed or adjustable rates
  • Mortgage insurance may be required

Veterans Administration (VA) Loans:

  • Borrow up to 100% of the home's value
  • Purchase or refinance your home
  • Learn more

U.S. Department of Agriculture (USDA) Rural Loans:

  • Borrow up to 100% of the home's value
  • Lock in a fixed rate
  • Mortgage insurance may be required
Should I refinance my mortgage?
Making the decision to refinance your mortgage can be tough when you look at all the factors. Your current interest rate, the new potential interest rate and even closing costs can affect how long it will take to break even. Our calculator can help you see costs and rates to help you decide.
I want to buy a home, part 1 
Family walking through neighborhood
In this blog, we share four important steps you should take before starting your home buying journey.
How much home can I afford?
Looking to buy a home? It's good to know what you can afford before you start shopping. Use this calculator to see how much your monthly mortgage payments will be.