Whether you’re building a home, buying a home, or refinancing an existing home mortgage, we’ve got a home loan product that can help you accomplish your goal. As an independent community bank, our decisions and servicing are done locally—which means that in addition to faster approval and processing, you work directly with the people you need to find solutions. At Baker Boyer, we offer a variety of home loan services and the ability to modify products to suit your individual needs. Please talk to any bank representative about your plans so we can provide the information you need to make the best choice for you.
The Home Loan Center operates out of the Eastgate Branch.
Home Loans
A home purchase represents the largest investment most of us will ever make. That’s why we take extra care to provide you with information and advice, as well as options to help you on your home buying journey. 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 interest rate options. Download our Home Loan Application Checklist to help you prepare for application requirements. You may also want to use one of our mortgage calculators to help you evaluate rates, terms, and other factors. Talk to a Loan Officer today to start the application process.
Construction Loans
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 experience in construction and strong relationships with local builders, ensuring a smooth process from start to finish. We’ll assist you every step of the way — from the initial planning stage to the completion of your project. Pay interest only for the first 12 months of construction and upon completion, we’ll transition you to your permanent financing. Contact a Loan Officer today to start the application process.
Home Equity Loans & Lines of Credit
Tap into the value of your home to access the funds you need— whether for a specific project, purchase, or peace of mind. With a Term Home Equity Loan, you receive a lump sum with flexible repayment terms. A Home Equity Line of Credit (HELOC) offers revolving access to funds whenever you need them, with interest charged only on what you use. Both options provide quick approval, convenient access, and potential tax advantages. (Consult your tax advisor.) Contact a Loan Officer today to start the application process.
Land Loans
We can develop a loan package that covers everything from the purchase of land for your dream home to site preparations, like a carport, foundation, and a well. From the purchase of your home to the final setup, we’re with you all the way. Choose from various repayment terms. All of our loans stay right here, which makes any adjustments and servicing convenient during the life of your loan. Contact a Loan Officer today to start the application process.
To set up an appointment to explore your options with a Baker Boyer Consumer Loan Advisor, please call us at (509) 526-1235 or fill out the form at the bottom of the page.
Client Testimonials
"Baker Boyer has helped me secure two mortgages, always funding the best fit for my needs. They make me feel like family and always go above and beyond to look out for me."
– Stephanie Smith
"I never expected to find such a warm, caring person in a banking environment, where I thought numbers mattered more than people. Yet, when I needed help, I received it and I'll always be grateful."
– Dominika Dickerson
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