Real Estate Loans Servicing Washington, Oregon, Alaska and Idaho
Mortgage Loan Advisors are available Monday-Friday 8:00am to 6:00pm
- A stress-free application – you can relax knowing we will walk you through each step of the mortgage1 process.
- Purchase a home, or refinance your existing mortgage – programs available from ZERO% DOWN!
- Have confidence knowing you are getting a good deal from people you can trust.
- Review loan options, sign up for Rate Watch, review disclosures (requires log-in) or APPLY in our Home Loan Center.
Per the Secure and Fair Enforcement (SAFE) Act, Nationwide Mortgage Licensing System (NMLS) registration information is available by request.
Mortgage - Purchase or Refinance
Thinking about buying a new home or refinancing your current mortgage?
The best way to find out which mortgage option we offer is best for you is to call our Real Estate Lending department and they will be with you every step of the way. Moving your existing mortgage loan to Qualstar is a simple process – and we may even be able to reduce your payment! 1
1 Rate received is subject to credit approval; Mortgage loan insurance may be required.
How to Apply for a Land Loan:
For existing Qualstar members, please call us at 1-800-848-0018 to start your application.
If you’re not a Qualstar member, please confirm your eligibility to open an account – if eligible, call us at the number above to start your application.
Yes, We Can Do Land Loans!
For purchase or refinance, our land loans are designed to secure a vacant lot or raw land you may intend to develop in the future. No construction or land development is allowed during the term of the loan.
If you already own land, ask us about our refinance options. Land Loans are residential zoning only (no farmland, agricultural, commercial, or timberland).
Raw Land
This type of land can be used for leisure and recreational purposes - such as RV, camping and other outdoor activities. No structures built on the property such as a mobile home or cabin to reside in. A shed, barn or garage without living quarters may be okay, however, they won't be considered in the valuation process and they cannot be in hazardous condition. Not construction or land development is allowed during the term of the loan.
Vacant Lot
A Vacant Lot is land that is ready to build on in the future. No construction or land development is allowed during the term of the loan. Required existing features are, onsite utilities like water, electricity and sewer/septic. These utilities must be in place on the property at the time of the loan. No structures built on the property such as a mobile home or cabin to reside in. A shed, barn or garage without living quarters may be okay, however they won’t be considered in the valuation process and they cannot be in hazardous condition.
Other terms and requirements for Land Loans1 include:
- Existing or qualified members of Qualstar can apply
- Land loans available in WA, OR and ID
- Maximum 20 acres
- Residential zoning only (no farmland, agricultural, commercial, timberland)
- 5, 10, 15, and 20 year terms*
- Purchase or Refinance
- Maximum 80% LTV on vacant lots
- Maximum 75% LTV on raw land
- Full Appraisal Required on all transactions
- 1% Funding Fee
*Annual Percentage Rate. Rates and terms subject to change without notice. Loan approval, term, LTV max. and rate received are based on the applicant’s credit qualifications.
1Loan amount, term and final approval based on applicant’s credit history and Qualstar’s lending guidelines.
Per the Secure and Fair Enforcement (SAFE) Act, Nationwide Mortgage Licensing System (NMLS) registration information is available by request.
Click here for all loan fees (fees may not apply to this loan type.)
**Rates update daily, call us for a quote based on your specific situation.
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