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  Banner Bank Mortgage Refinance

Banner Bank Mortgage Refinance

in Mortgage Refinance from Banner Bank · NMLS ID #439266

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Banner Bank Mortgage Refinance

Unaffiliated

in Mortgage Refinance from Banner Bank · NMLS ID #439266

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Highlights
Loan Amount Up to $3,000,000
Loan Term (Years) 15 - 30 years

Banner Bank Mortgage Refinance Review

Banner Bank Mortgage Refinance is offered by Banner Bank (NMLS #439266), a bank founded in 1890 and based in Walla Walla, WA. Banner Bank Mortgage Refinance is available in 4 states across the USA.

Key Takeaways
  • Only two mortgage programs offered. Banner Bank Mortgage Refinance refinances FHA VA conforming and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. Banner Bank Mortgage Refinance offers hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage refinance loan early.
Banner Bank Mortgage Refinance Pros & Cons
Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 4 states.
Banner Bank Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Banner Bank Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Banner Bank Mortgage Refinance offers mortgages refinancing with terms ranging from 15 to 30 years.

Does Banner Bank Mortgage Refinance charge a mortgage origination fee?

Yes, Banner Bank Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Banner Bank Mortgage Refinance offer?

Banner Bank Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Banner Bank Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Banner Bank Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

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Availability

  Available in 4 states
  • California
  • Idaho
  • Oregon
  • Washington

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
APR Starting at 3.586%
Loan Term 15 - 30 years
Loan Amount Up to $3,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • VA
Terms 3/1, 5/1, 7/1, 10/1, 15, 30 years

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