True Built Home Lenders

About The Construction Lending Process

List of True Built Lenders

Looking for the right lender for your situation can be a confusing and daunting process. At True Built Home, we want to make this process as convenient and effortless as we can. Please find a list of our preferred lenders below who can help you with the loan process.

Umpqua Bank:

Terry S. Pemberton
Home Lending Officer
NMLS # 185396
Direct: 360-280-4208 / Fax: 888-977-9408
Email: terrypemberton@umpquabank.com
Web: www.umpquabank.com/tpemberton

Terry can serve all of True Built Home’s locations and branches.

Why choose Umpqua Bank and Terry Pemberton?
Terry S. Pemberton has been doing these loans so long he can do them in his sleep. He can also do them state wide and via email. Umpqua Bank now has 2 Construction Loan Options:

  1. 10/1 Arm Construction Loan. Rate is fixed for 10 years. (Can be refinanced after construction to a 30 fixed at Low or no cost to you)
    • 10% minimum down payment with a 700 credit score. Lower score down to 680 ok with larger down payment. (If you already own the land you may not be required to make a cash down payment depending on your appraised value and equity.)
    • 12 month construction time.
    • Only Septic design approval required before closing.
  2. 30 Fixed Rate Construction Loan
    • 10% minimum down payment with a 680 credit score assuming you do not already own the land. (If you already own the land you may not be required to make a cash down payment depending on your appraised value and equity.)
    • Building Permit approval required before closing.
    • 9 Month build time.

Knowing the Process: Here are the steps.

  1. Obtain credit approval. (Click HERE to get Approved) Once you complete the application it will upload to me and I can quickly pre-qualify you for free and update you on the result. Next I will send you a list of financial information needed for processing the file.
  2. Secure the land if not already owned.
  3. Sign the building contract with the builder and obtain all extra owner item cost quotes.
  4. The Bank then orders an appraisal and once it’s completed the loan is submitted for final approval to close.

General Guidelines:

  • The interest rate depends on your credit score and loan to value ratio but generally the rate is about ½% above 30 year fixed rates.
  • ONE TIME CLOSE: Our loans are both the construction and permanent loans all wrapped into one closing including the cost of the land, house, permits and all other construction related items.
  • During the construction phase you will pay interest only on the funds drawn until the home is complete and you have an occupancy permit.

OnQ Financial:

Now Accepting FHA/VA Loans
Shawn Lynch
NMLS # 185650 / WA # MLO-185650
311 River Rd #202
Puyallup, WA 98371
tel (253) 313-1591 / fax (253) 358-2218 / direct (253) 222-5626
Email: Shawn.Lynch@onqfinancial.com
www.ShawnLynchOnQ.com


Tacoma and Western Washington Lenders

Washington Federal:

Joni Cross
VP & Branch Manager
15610 Meridian Ave East
Puyallup, WA 98375
Office: 253-840-3493
Email: joni.cross@wafd.com

Why choose WaFed? Washington Federal has been in business since 1917, has a strong community presence and also does loans across the state and many state boarders.


Timberland Bank:

William (Bill) P. Andrews
Vice President, Branch Manager NMLS ID 539564
Office: 253-875-4250 / Toll Free: 1-800-562-8761 / Fax: 253-875-8702
Email: wpandrews@timberlandbank.com
Bill and the owner of True Built Home go all the way back to the 1990’s. He’ll take great care of you.

Why choose Timberland? The All-in-One Construction Loan provides up to 12 months of interest only payments through the construction phase, then converts to permanent financing up to 80% loan-to-value. The permanent rate is locked before construction begins. In addition, the two-step construction loan provides financing for loans that exceed 80% loan-to-value. You pay interest only during the construction phase as funds are used. The construction term is 12 months. Your loan officer will assist you with converting to permanent financing.


OnQ Financial:

Shawn Lynch
NMLS # 185650 / WA # MLO-185650
311 River Rd #202
Puyallup, WA 98371
tel (253) 313-1591 / fax (253) 358-2218 / direct (253) 222-5626
Email: Shawn.Lynch@onqfinancial.com
www.ShawnLynchOnQ.com


Evergreen Home Loans:

Erik Ketner
15405 SE 37th Street Suite 200
Bellevue, WA 98006
tel (425) 974-8530 / fax (844) 512-3044
Email: eketner@evergreenhomeloans.com


Umpqua Bank

Tim Morris
Home Lending Officer, Construction Specialist
NMLS  #85255
307 29th Street NE, Suite 102
Puyallup, WA 98372
Office: (253) 904-1203
Mobile: (206) 550-7984
Fax: (800) 313-7701
Email: timmorris@umpquabank.com
Website: www.tgmorris.com

Carl Paulino
Mortgage Loan Officer
NML# 3211850
10049 Kitsap Mall Blvd., Suite 100
Silverdale, WA. 98383
Office: 360.535.5089
Direct: 360.509.9151
Email: carlpaulino@umpquabank.com

Arlington and Northwestern Washington Lenders

Peoples Bank:

Kevin Engstrom
VP/Real Estate Loan Manager
NMLS #114057
Freeland Real Estate Loan Center
5589 Harbor Avenue
Freeland, WA 98249
Office: (360) 331-7136
Mobile: (425) 508-4137
Fax: (360) 331-7078
Email: kevin.engstrom@peoplesbank-wa.com


OnQ Financial:

Shawn Lynch
Residential Mortgage Loan Originator
NMLS # 185650 / WA # MLO-185650
311 River Rd #202
Puyallup, WA 98371
Phone: 253.313.1591
Fax: 253.358.2218
Mobile: 253.222.5626
Email: Shawn.Lynch@onqfinancial.com
www.ShawnLynchOnQ.com


Umpqua Bank:

Tim Morris
Home Lending Officer, Construction Specialist: NMLS #85255
307 29th Street NE, Suite 102
Puyallup, WA 98372
Office: (253) 904-1203
Mobile: (206) 550-7984
Fax: (800) 313-7701
Email: timmorris@umpquabank.com
Website: www.tgmorris.com


Prime Mortgage:

Aaron Crossley
Sr Loan Officer
NMLS: 245666
Mobile: 425-457-2232
Fax: 866-908-6073
4030 Lake Washington Boulevard NE Suite 210
Kirkland, WA 98033
Email: aaron.crossley@primelending.com
acrossley.com


Timberland Bank:

William (Bill) P. Andrews
Vice President, Branch Manager NMLS ID 539564
Office: 253-875-4250
Toll Free: 1-800-562-8761
Fax: 253-875-8702
Email: wpandrews@timberlandbank.com

Bill and the owner of True Built Home go all the way back to the 1990’s. He’ll take great care of you.

Why choose Timberland? The All-in-One Construction Loan provides up to 12 months of interest only payments through the construction phase, then converts to permanent financing up to 80% loan-to-value. The permanent rate is locked before construction begins. In addition, the two-step construction loan provides financing for loans that exceed 80% loan-to-value. You pay interest only during the construction phase as funds are used. The construction term is 12 months. Your loan officer will assist you with converting to permanent financing.


Washington Federal:

Krys Wortley
Branch Manager
9025 271st St. NW
Stanwood, WA 98271
Email: Krys.wortley@wafd.com

Why choose WaFed? Washington Federal has been in business since 1917, has a strong community presence and also does loans across the state and many state boarders.

Tri-Cities and Central Washington Lenders

Bank of Eastern Oregon:

Arldetta Arnspiger
Phone: 541-676-9884
Email: aarnspiger@beobank.com


Banner Bank:

Jennifer G Cecil
Phone: 541-564-4264
Email: jcecil@bannerbank.com


Evergreen Home Loans:

Shawn Flinders
Branch Manager & Senior Loan Officer
1030 North Center Pkwy., Suite 304
Kennewick, WA 99336
Phone: 509-579-3601
Cell: 509-438-2772
Fax: (844) 417-4410
Email: sflinders@evergreenhomeloans.com


Numerica Credit Union:

Chris Palm
Phone: 509-491-4220
Email: cpalm@numericacu.com


Umpqua Bank:

Tom Coyne
8121 W Grandridge Blvd
Kennewick, WA 99336
Office: 509-783-7300
Email: tomcoyne@umpquabank.com


Washington Federal:

Jacob Compton
Phone: 509-787-3541
Email: Jacob.compton@wafd.com


Community First Bank:

Jesus Melendez
Phone: 509-735-5020
Email: Jmelendez@community1st.com


Inland Northwest INB:

Ian Myers
– Kennewick
Phone: 509-315-1078
Cell: 509-440-0885
Email: imyers@inb.com

Spokane and Western Idaho Lenders

Numerica Credit Union

Bryan Jarrett
14610 E Sprague
Spokane Valley, Wa, 99216
Office: 509-688-6886
bjarrett@numericacu.com


Umpqua Bank

Scott Fuller
111 N River Drive Suite 206
Spokane, Wa 99201
Office: 509-842-9560
Cell: 509-879-6670
scottfuller@umpquabank.com


GESA

Robert Howard
618 W Riverside Ave, Suite 101
Spokane Wa, 99201
Office: 509-464-4081
Cell: 509-998-3636
rhoward@gesa.com


INB

David Cloe
Office: 509-252-4986
Cell: 509-294-2892
dcloe@inb.com
https://www.inb.com/david-cloe

Vancouver WA and Oregon Lenders

Umpqua Home Lending

Angie Stillman
Home Loan Officer
NMLS # 114291
Phone: 360-258-3532
Cell: 360-609-3022
Email: angiestillman@umpquabank.com

Mike Houghton
Mortgage Specialist
Leaders Club & Construction Elite
Home Lending
NMLS # 291980
Mobile: 503-679-1848
Email: mikehoughton@umpquabank.com

Debbie McCloud
Mortgage Loan Specialist
NMLS # 487497
1406 SE 164th Ave #100
Vancouver, WA 98663
Mobile: 360-600-2025
Fax: 503-372-0349
Email: debbiemccloud@umpquabank.com
umpquabank.com/dmccloud


Washington Federal

Robin D. Wilson
Branch Manager
NMLSR #560593
Office: 503-585-1677
Email: Robin.wilson@wafd.com


Banner Bank

M. Regina Stoll
Residential Loan Officer
NMLS # 120910
Phone: 503-352-3762
Cell: 360-780-6707
Email: Regina.Stoll@bannerbank.com


The Commerce Bank of Oregon

Dan Phillips
NMLS # 134337
Phone: 503-839-0927
Cell: 503-839-0927
Fax: 1-844-798-0980
Email: dan.phillips@tcboregon.com


OnQ Financial:

Shawn Lynch
Residential Mortgage Loan Originator
NMLS # 185650
311 River Rd #202
Puyallup, WA 98371
tel (253) 313-1591 / fax (253) 358-2218 / direct (253) 222-5626
Email: Shawn.Lynch@onqfinancial.com
www.ShawnLynchOnQ.com

We have branches all over the PNW to serve you, and we can build in Washington, Oregon and Western Idaho!

Tacoma / 253.272.5300 • Yakima/Tri-Cities / 509.783.1411 Spokane / 509.255.3939
Vancouver / 360.464.2884 • Salem / 971.599.2050 • Arlington / 425.336.2590 • Corporate Office / 253.292.9092

True Built Home is an on-your-lot home builder covering areas all over the Pacific Northwest

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