Whether you're buying your first home or building a new one, a house represents a major investment. That's why we take extra care to provide you with information, advice, and options to meet your financial goals. We'll help you determine a price range that keeps your payments where you want them, and you can choose from various repayment terms and a fixed or variable interest rate. FHA and VA loans are also available.

We can develop a loan package that covers every step of getting set up in your new home. From the purchase of land for your manufactured home, to site preparations like car port, foundation, and digging a well, we're with you all the way. We offer various loan repayment terms. Most of our loans will remain right here, which makes adjustments and servicing convenient for the life of the loan.

Although this loan is basically the same as a conventional home loan, it can be a valuable tool for accomplishing your goals. Whether you simply wish to take advantage of better interest rates, or you want to move your loan from one financial institution to another, we can help. With flexible terms and your choice of variable or fixed interest rate, we've got the options you need.

When building a new home for your family, Baker Boyer is a great place to start. You can work directly with a loan officer who has a great deal of experience in construction loans. He or she will assist you all the way--from the initial planning stage to completion of your project. Once complete, your construction loan becomes a conventional loan. One loan process, not two.

If you're a veteran or a first-time home buyer, our VA or FHA loan products may be right for you. These loans offer flexibility and low minimum down payments. For those who might not qualify for conventional home loans, FHA and VA loans are great alternatives.

If you have established equity in your home, a home equity loan can help provide the cash you need for other purposes. Borrow up to 80% of the value of your home and use the funds for anything you wish. With various repayment terms and potential tax advantages (consult your tax advisor), this loan could be just what you need.

Learn more about Home Equity Loans

Whether you have a specific need, project, or purchase, or you simply want the comfort of knowing you have access to extra cash, a home equity line of credit is a great choice. As a revolving line of credit, it's there whenever you need it. You only pay interest on the portion of funds actually in use, and that interest may even be tax deductible (consult your tax advisor). Approval time is fast—usually one day—and access is easy, either by check or transferring funds using Touch-Tone Banking.

Escrow accounts provide a safeguard in the administration of private contracts between buyer and seller. When you're involved in a private sale contract, our escrow staff can be a valuable partner. Our services are designed to help your transaction go smoothly and to provide complete, timely, and accurate records.

Part of the American dream is owning a home. However, saving money for a down payment is a difficulty that many people face. In fact, accumulating sufficient money for a down payment is the most common challenge keeping many families from buying their own home. The Home$tart Savings Program (H$P) is a partnership between Baker Boyer and the Federal Home Loan Bank of Seattle. The H$P is designed to help you accumulate funds for your down payment and closing costs by matching every $1 you save with $3, up to a maximum of $5,000 toward the purchase of your first home. Come in and speak with a Lending Officer to see if you qualify for the Home$tart Savings Program and to begin the enrollment process.