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Home Loans

At Peak, we're committed to helping you find the right loan to get you into the home of your dreams easier and faster.

More ways to get home — sooner.

Our 0% and 3% down mortgage options are designed to help first-time buyers move forward without waiting years to save for a traditional down payment. Plus, these options offer a 0.25% rate reduction. Whether you're just starting to explore or ready to apply, we're here to guide you every step of the way. 
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All loans subject to credit approval. Minimum FICO score is 680 for 3% down option and 700 for 0% down option. Standard closing costs and fees still apply. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Mortgaged property must be located in Washington or Oregon state. 0.25% mortgage interest rate reduction is available for fixed and adjustable rate 0% and 3% down mortgages. For adjustable rate mortgages, the discount is applicable only for the initial rate period and the rate and payment may increase after the initial rate period. This discount is available on primary residence homes only. Discount is not available on government loans, land loans, or investor loans. Maximum LTV limits apply. Certain restrictions may apply. Contact a mortgage loan officer for more details. Equal housing opportunity lender. NMLS #530610
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Your home journey starts here

With low fees, competitive rates, and a variety of loans to choose from, our home loan experts can help you sell, find, and finance the home that is right for you and your family.

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Find a home loan that's tailored to your needs

Whether you are looking to buy your first home or wanting to buy land to build on someday, get the loan you need to turn your dreams into reality.

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0% Down Loans

 Finance 100% of your mortgage with no down payment - a great way for first-time home buyers to enter the market! Unlike other 0% down loans, you aren't required to attend home buyer education classes.

Read About 0% Down Loans
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3% Down Loans

Borrow with just a low 3% down payment with no restrictions on gifted down payment funds! Peak created a special home loan program to help ease the burden, with lower down payments and fewer restrictions on new borrowers.

Learn About 3% Down Loans
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Conventional Mortgage Loans

Conventional loans are often the best option for borrowers with strong credit and a down payment of at least 3% or more. A variety of fixed-rate loans are available with flexible terms, low fees & competitive rates. Enjoy the security of predictable mortgage payments with low rates.

Apply Today
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VA, FHA & USDA Government-backed Loans

Your situation may be unique and we have a variety of government-backed home loans available: VA, FHA, and USDA. This makes it easier for homebuyers to qualify for a home loan and lower the barrier to home ownership.

Explore Government-backed Loans
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HomeAdvantage Program

From start to finish, we can help you sell, search, and finance a new home. Peak's HomeAdvantage program can help you to sell your current home, find and finance your next home, and earn cash rewards, too!

Get Started
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ITIN Mortgage Loan Program

Everyone deserves an opportunity to own a home. If you have an individual taxpayer identification number (ITIN) rather than a social security number (SSN), our ITIN mortgage program can provide you with the resources you need to buy a home. 

Learn More
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Second Home Loans

If you are in the market for a second home, Peak offers second home loans. Get preapproved to give you an advantage in the search for your vacation getaway.

Apply Now
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Jumbo Home Loans

When looking at higher-priced homes, you may need a different type of home loan. Peak offers a jumbo home loan when you find a home that requires a larger amount than normal loan limits. 

Apply Today
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Refinance Your Mortgage

Refinancing your home at a lower rate can help you reduce your monthly payment, lock in a fixed rate, or pay your home off sooner.

Crunch the Numbers
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Land Loans

Not quite ready to build? We can finance the land for you giving you time to work on equity, find a builder, and make future plans. Land purchases require a 25% down payment and have flexible terms.

Apply Today
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ChoiceLine HELOC

Whether you want to update your home, cover unexpected costs, or pursue your passion, your home can unlock the funds you need.

Learn More

Your path to homeownership all under one roof

Are you thinking about buying a new home? Have you been thinking about selling your home? Are you a first time home-buyer? Our team of home loan experts are knowledgeable with the specific needs and issues affecting borrowers in the Pacific Northwest. Get the financing you need for the home you want. We're with you every step of the way.

Whether it's your first home or your fifth home, buying a house is a big step for you and for your family. Our children might go to the same schools. We might shop at the same grocery store. We're your neighbors and we're eager to help.

Here’s what you’ll need to get started:

When applying for a loan, please have the following documents ready for a speedy process:

  • Pay stubs (most recent to cover the last 30 days)
  • W-2 forms (most recent two years)
  • Tax returns (self-employed or paid commission – two years federal tax returns (personal/corporate/partnership)
  • Bank statements (most recent two months)
  • Retirement account statements (most recent quarter)
  • Current debts (account number, balance, monthly payment)

If you found a home:

  • Property tax information
  • Homeowners insurance (company, agent name, phone number)
  • Purchase and sales agreement (landlord’s name and address for the past two years)

Ready to Move Into a New Place of Your Own?

We have a financing plan that is just right for you.

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