Announcement Bar. Tell your user's something. Learn More.
Login
Login
Login
Login

Mortgage

Local. Personal. People First.

Home Financing, The Way it Should Be

Home financing should feel clear, supportive, and grounded in trust. At Timberline Bank, our mortgage approach is built around local relationships, personal guidance, and conversations with lenders who understand the communities they serve. From your first conversation through closing and beyond, our team is here to provide clarity, consistency, and people-first support every step of the way.

Local.
Lenders rooted in our communities
Personal.
One-on-one guidance you can trust
People First.
Relationships before transactions

Your Mortgage Experts

Mortgage Gradient
Meet The Team

Our mortgage division is led by Justin (President – Mortgage Production) and Glen (SVP – Mortgage Production), alongside experienced lenders David, Carly, and Kevin. As a local team, they work together to provide personalized solutions, straightforward guidance, and the kind of service you expect from a community bank.

Apply

Getting pre-approved is an important first step in the homebuying process. It helps clarify your budget and shows sellers you’re prepared when the right opportunity comes along. Whether you’re working with a realtor or just beginning to explore your options, our mortgage team is here to guide you forward with confidence.

Calculators

Mortgage calculators can help estimate payments and explore different financing scenarios, offering a helpful starting point as you plan. For a clearer picture tailored to your situation, our mortgage lenders are always available to walk through the details, answer questions, and guide you through your options.

Local. Personal. People First.

We’re deeply rooted in our communities, supporting local families, schools, nonprofits, and causes through events, sponsorships, and involvement. Explore how Timberline Bank lives out a people-first commitment beyond home financing.

Loan Programs

Primary Loan Programs

Conventional

  • Flexible financing options for a wide range of homebuyers.

  • Competitive structures designed for long-term planning.

  • Personal guidance from local lenders throughout the process.

FHA

  • Designed for buyers seeking lower down payment options.

  • Flexible credit guidelines for qualifying borrowers.

  • Support and clear communication every step of the way.

VA

  • Available to eligible veterans and active-duty service members.

  • No down payment options for qualified borrowers.

  • Guidance from lenders who understand VA loan requirements.

USDA Rural Development

  • Financing for eligible rural and suburban properties.

  • No down payment options for qualified buyers.

  • Assistance navigating income and property eligibility guidelines.

Jumbo

  • Financing solutions for higher-priced homes.

  • Flexible structuring for complex financial profiles.

  • Personalized guidance for larger loan scenarios.

Down Payment Assistance (CHFA, etc.)

  • Programs designed to help with upfront costs.

  • Ideal for qualified first-time and moderate-income buyers.

  • Support identifying options that align with your goals.

Section 184 Indian Home Loan Guarantee

  • Designed for eligible Native American borrowers.

  • Flexible underwriting with low down payment options.

  • Guidance through program-specific requirements.

Reverse Mortgage

  • Allows eligible homeowners to access home equity.

  • Designed for borrowers aged 62 and older.

  • Clear explanations to help determine if it fits your needs.

Construction & Property-Based

Construction / Renovation

  • Financing for building or improving a home.

  • Options to combine construction and permanent financing.

  • Ongoing support throughout the build process.

Vacant Land / Lot Loans

  • Financing for residential land purchases.

  • Flexible structures based on intended use.

  • Guidance on next steps toward building.

Bridge Loan Program

  • Short-term financing to support transitions between properties.

  • Helps bridge timing gaps during purchase and sale.

  • Structured around your specific situation.

Home Equity Loan Programs

  • Access equity for renovations, expenses, or other needs.

  • Fixed-rate and structured repayment options.

  • Clear guidance on responsible borrowing.

Non-Warrantable Condominium

  • Financing for eligible condo projects that don’t meet standard guidelines.

  • Flexible review of property and association criteria.

  • Support navigating additional documentation requirements.

Manufactured & Modular Homes

  • Financing options for eligible manufactured and modular properties.

  • Guidance on property and foundation requirements.

  • Structured to fit your long-term homeownership plans.

Non-QM / Specialty Income Programs

DSCR (Debt Service Coverage Ratio)

  • Designed for investment property cash-flow analysis.

  • Qualification based on property income rather than personal income.

  • Flexible options for real estate investors.

Bank Statement Loans (12 or 24 Month)

  • Income qualification based on bank statements.

  • Ideal for self-employed borrowers.

  • Structured to reflect real income patterns.

Asset Depletion / Asset Utilization

  • Qualification based on eligible assets.

  • Designed for borrowers with substantial reserves.

  • Customized review of financial strength.

Professional / Niche Borrowers

Doctor / Medical Professional Loans

  • Designed for eligible medical professionals.

  • Flexible structures during residency or early career.

  • Tailored guidance for unique income situations.

First-Time Homebuyer Programs

  • Programs designed to support new buyers.

  • Education-focused guidance throughout the process.

  • Support understanding budgeting and next steps.

Investor & Advanced Scenarios

Multiple Financed Properties (Up to 10)

  • Financing for experienced real estate investors.

  • Structured solutions for portfolio growth.

  • Support navigating qualification requirements.

Cash-Out on Investment Properties

  • Access equity from eligible investment properties.

  • Structured for reinvestment or other financial goals.

  • Clear review of qualification guidelines.

Fix & Flip Financing

  • Short-term financing for renovation projects.

  • Designed for experienced investors.

  • Structured timelines aligned with project goals.

5+ Unit Residential / Commercial

  • Financing for larger residential properties.

  • Structured based on property performance.

  • Guidance through commercial-style underwriting.

Commercial Lending

Owner-Occupied Commercial

  • Financing for businesses operating in their own space.

  • Structured to align with long-term business goals.

  • Local guidance throughout the process.

Investment Commercial

  • Financing for income-producing commercial properties.

  • Structured based on property cash flow.

  • Support navigating commercial requirements.

Mixed-Use Properties

  • Financing for properties combining residential and commercial space.

  • Flexible structuring based on property composition.

  • Guidance through eligibility and qualification standards.

Get Started Today.

Timberline Bank Mortgage EHO Logo (White without Trademark)

Why Timberline Mortgage?

At Timberline Bank, our mortgage approach is built around people, not processes. You’ll work with local lenders who prioritize clear communication, consistent support, and thoughtful guidance throughout the home financing journey. By focusing on relationships and understanding your goals, we help make the mortgage experience feel straightforward, supportive, and aligned with what matters most to you.

Experienced Mortgage Lenders
Work directly with experienced mortgage lenders who understand both the home financing process and the local markets we serve. Your lender acts as a consistent point of contact, providing guidance, clarity, and support from your first conversation through closing and beyond.
Mortgage Solutions Built Around You
We offer a range of mortgage options designed to support different homeownership goals — from purchasing and building to refinancing. Our approach focuses on understanding your needs first, then aligning solutions that make sense for your situation and long-term plans.
Clear Communication & Ongoing Support
Home financing shouldn’t feel confusing or disconnected. We prioritize proactive communication, fewer handoffs, and clear expectations at every step, so you always know where things stand and what comes next.
Guidance Backed by Local Insight
Our mortgage lenders live and work in the communities they serve. That local knowledge allows us to provide insight into market conditions, timelines, and considerations that national lenders often overlook.
Support Beyond the Closing
Our role doesn’t end at closing. We’re here to support you as your needs evolve — whether that means future home purchases, refinancing opportunities, or long-term financial planning tied to homeownership.
Trust, Privacy & Care
We understand the importance of discretion when it comes to your financial information. Your mortgage experience is handled with care, professionalism, and respect for your privacy at every stage of the process.

Not Ready To Apply?Let’s Walk Through It Together.

Buying a home comes with questions, and that’s completely normal. Our mortgage team is here to help you understand your options, talk through next steps, and move forward at your pace — no pressure, just clear guidance.