Consumer Real Estate Loans
Make your dream home a reality with our flexible real estate and home loans.
Contact Your Local Lending Experts
Timberline Bank offers a variety of home loan solutions to fit your needs. Whether you're building, buying, refinancing, or accessing your home's equity, our local team is here to help.
Contact us today for all your home loan needs!
Our Consumer Real Estate Loan Offerings
Construction Loans
From blueprint to built, Timberline Bank's construction loans provide the financing to build (or renovate) your dream home.
Construction loans are short-term loans used for new home construction and renovations. This includes contractor labor, land purchase, building materials, permits, and more.
Construction loans are short-term loans used for new home construction and renovations. This includes contractor labor, land purchase, building materials, permits, and more.
Vacant Lots
Vacant lot loans, or lot loans, are mortgages that pay for residential lots. You can use a Timberline Bank vacant lot loan to finance the land on which you want to build your dream home. Looking for a lot loan? Consider this:
- Unlike construction loans, a lot loan will only finance the land
- Timberline Bank offers two options for Vacant Land Loans:
- Interest only, then becomes variable
- Principle and Interest (P&I) for a fixed rate
Home Equity Line of Credit & Timberline Bank Mortgage
Home equity lines of credit (HELOCs) and our Timberline Bank Mortgage allow you to leverage your equity for various spending instances. From home improvement to home financing, both options offer flexibility for manageable payments.
Keep in mind these key differences when considering a HELOC or the Timberline Bank Mortgage:
- HELOCs are a revolving line of credit while the Timberline Bank Mortgage is a 30-year amortized loan
- Our Timberline Bank Mortgage features predictable payments during the fixed-rate period, no prepayment penalties, and an opportunity to adjust as market conditions change
- HELOCs can be used as needed during your draw period (the timeframe between opening it until repayment begins)
Ready to Make Your Dream Home a Reality?
Download our consumer loan application and contact our team today.
Why Timberline Bank?
Community Focus
When you bank with us, you are giving back to your local community. Your deposits stay local, helping to support economic growth on the Western Slope.
2024 Top Regional Bank
in the Nation
in the Nation
Timberline Bank was recognized as one of the top 250 regional banks in the United States by Newsweek two years in a row.
Excellent Customer Service
We go above and beyond in every aspect of customer service—when you call us, you’ll talk to a real, local person who’s ready to help.
Let's Make Life Easier
Moving your accounts to Timberline Bank has never been easier.