We take the stress and guesswork out of getting a home loan.
Lower rates and fees than the industry average.
Fast preapproval process and fast-track closings.
Specialized expertise in healthcare and cannabis home loans.
Responsive service on your loan.
Planning on buying or selling a home in the near future? Find out how Salal members can earn Cash Rewards when buying or selling a home with HomeAdvantage®.
Set up a free Homebuyer Planning Session.
Fixed-rate home loans let you lock in a rate for the life of your loan, which means the principal and interest part of your monthly payment will stay consistent over time. A fixed-rate mortgage can be a great option if you want the predictability of an interest rate that doesn’t change with market conditions. A shorter term, such as 15 years, is better if you want to save money on interest by paying your loan off faster.
Terms from
10-30 years
Home loans are available for properties located in CA, CO, ID, NV, OR, UT, and WA.
Adjustable-Rate Mortgages (ARMs) give you a lower fixed rate and payment for the first part of your loan, potentially saving you money. After that, your rate and payment may adjust periodically for the duration of the loan. ARMs can be the best choice if you are looking to maximize your buying power or want to keep your payments lower during the first years of your loan. Specialty adjustable-rate home loans for Nurses and Physicians are available.
Terms for
30 years
with 5-10 year term for fixed rate
Home loans are available for properties located in CA, CO, ID, NV, OR, UT, and WA.
Looking to buy a home that will require you to borrow more than conventional loan amounts? A Jumbo Adjustable-Rate loan might be a good option. Jumbo mortgages are often used for buying homes in markets where the typical sales price and loan amount is above the maximum set by the Federal Housing Finance Agency.
Terms from
30 years
Home loans are available for properties located in CA, CO, ID, NV, OR, UT, and WA.
Federal Housing Authority (FHA) home loans are backed by the federal government and feature lower credit score and down payment requirements than other mortgage options. FHA loans also offer debt-to-income ratios up to 55% and have no income limits to qualify, making them a good option for first-time homebuyers (though any homebuyer can apply). FHA loans are offered in partnership with TruHome Solutions.
Home loans are available for properties located in CA, CO, ID, NV, OR, UT, and WA.
Crunch the numbers.
When you’re house hunting, it’s a big help to know what homes are in your budget. Use our free mortgage calculators to estimate what your price range may be and get an idea of what your monthly mortgage payment might look like.
Download your free Homebuying Guide.
We asked our experienced Mortgage Advisors to create this comprehensive homebuying road map, breaking down the homebuying journey into simple steps—in language you don’t have to be an expert to understand. It’s a great first step toward buying your next home with confidence.
