Grandparent helps three grandchildren prepare homemade pizza for a dinner together

Home Loans

Purchase Financing 

Buying a home can be one of the biggest and most important investments of a lifetime. At Timberland Bank, we've been helping individuals and families achieve their dreams of owning a home for over 100 years! Our knowledgeable, experienced lenders will assist you in finding the perfect financing solution for your individual needs.

 

Local Loan Servicing 

At Timberland Bank, we understand that each home purchase experience is unique and personal. Our team will be there to help you navigate your options and will assist you at every step of the way.

Another benefit to financing your loan at Timberland is that we provide local loan servicing. This means we don't sell your records, we keep them in house for better service. By retaining the right to service your loan, you are assured that when you have a question, or there is a change of any kind, we are right here locally to serve you at any of our 24 convenient locations. We provide service directly to you after your loan is funded.

 

Flexible Financing Solutions

When it comes to mortgage loans, one size does not fit all. We'll listen to your goals and work with you to find just the right fit for your circumstances. There are no cookie-cutter loan programs here; you'll find plenty of flexibility in your financing options at Timberland.

  • Construction Loans: When it comes to construction financing, our construction loan programs are widely regarded as the best-of-kind in the industry. You have the confidence of knowing that our programs have been tried and tested by thousands of satisfied home builders in communities throughout Washington for decades. Learn more about construction loans at Timberland Bank. 
  • FHA, USDA and VA Lending: We offer flexible solutions for government loans including FHA, USDA and VA loans guaranteed by Rural Housing through our partnership with LeaderOne.
  • Manufactured Home Loans: Timberland Bank also has fixed rate and adjustable rate financing available for manufactured homes on land or in a park that were built in the year 2000 or newer.
  • Refinancing: Refinancing your home mortgage may allow you to lower your interest rate, reduce the term of your loan, reduce your monthly payment amount, consolidate debt, or free up funds for a large investment.
  • Home Equity Borrowing: Get things done by putting the equity in your home to work for you. Home equity borrowing can be a great financing option for a variety of needs. Add a new deck, remodel the kitchen, plan a great vacation or consolidate debt, a Home Equity Loan or Line of Credit can help you get things done.
  • Financing for Auto, Boat & RV: Part of our role as a community bank means being there with flexible, low rate loans for the purchases that you really want— maybe it's a new car, boat or RV. Learn more about our consumer loan options
  • Passbook Loans: A Passbook Savings Secured Loan is a convenient way to borrow money at a low interest rate. With a passbook secured loan you are borrowing against funds you have on deposit with Timberland Bank. Your loan is secured by your savings and is payable in flexible terms that are convenient for you: weekly, bi-weekly, monthly or annually. Your savings stay right where they are; safe, secure and still earning interest and fully insured to the limits set by the FDIC.  You may borrow any amount up to 90% of your available balance with a Passbook Loan and receive your cash the same day you request it.

Refinance

Refinancing can allow you to lower your interest rate, reduce the term of your loan or monthly payment and consolidate debt.
 

Apply Online, Anytime

Get pre-qualified for your home loan online in as little as 20 minutes!
 

Lending Resources

Our goal is to provide you with a worry-free lending experience from start to finish. Please visit our Lending Resources page for checklists, applications, FAQs and additional resources.  

 

Make an Online Loan Payment 

Timberland loan customers can make a loan payment from an external source such as another financial institution. If you have questions or need assistance, please call our Loan Servicing Department at 1-800-562-8761.

  1. Click PAY NOW to begin Enter the last five digits of your account number, your name, and the amount of the loan payment
  2. Follow the prompts on the remaining tabs and confirm your payment
  3. Your loan payment will be processed and posted to your account within two business days
 
Pay Now
Man and his dog working on a house project
couple unpacks in new home while dog watches
couple hangs up a painting in their new home

Construction Loans

Ready to build? So are we! Let a Timberland Bank lender help you with all your construction financing needs. 
 

Loan Checklists, FAQs & More

Our goal is to provide you with a worry-free lending experience from start to finish. These applications and resources can help you navigate the loan process.
 

Home Loan Checklist

Are you ready to take the next step? This list can help ensure you have all the items that may be needed to proceed with your application.