Whether you’re building a home, buying a home, or refinancing an existing 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 choice that’s best for you.
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 that 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. See our 12-point Application Checklist to help you prepare for application requirements.
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 can assist you all the way—from the initial planning stage to completion of your project. Once complete, we will work on updating your file for the end and final amortizing loan. Visit this page for more information on construction loan options.
Home Equity Loans & Lines of Credit
If you have established equity in your home—and you probably have if you’ve owned your home three or more years—a home equity loan or line of credit 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, this loan could be just what you need. Visit this page for more information about home equity solutions.
FHA & VA Loans
If you’re a veteran or a first time home buyer, our FHA or VA loan products may be right for you. These loans offer flexibility and low minimum payments. For those who might not qualify for conventional home loans, FHA and VA loans are great alternatives.
Modular Homes & Land Loans
We can develop a loan package that covers everything from the purchase of land for your manufactured home, to site preparations like a carport, foundation, and digging a well. From the purchase of your home to final setup, we’re with you all the way. Choose from various repayment terms. Most of our loans remain right here, which makes adjustments and servicing convenient for the life of your loan.
To set up an appointment to explore your options with a Baker Boyer Consumer Loan Advisor, please call us at (509) 525-2000.