List of True Built Home Lenders

Looking for the right lender for your situation can be a confusing and daunting process. While we don’t offer in-house financing, we do work with a variety of lenders to make this process as convenient and effortless as we can. Some lenders specialize in traditional construction loans, while some specialize in FHA or VA loans.

These are our preferred lenders that we have worked with before:

Featured Lenders

Umpqua Bank
Terry S. Pemberton

Home Lending Officer
NMLS # 185396

Terry can serve all of True Built Home’s locations, and can provide loans statewide and via email. Umpqua Bank offers these Construction Loan Options. (If you already own the land you may not be required to make a cash down payment depending on your appraised value and equity.)

10/1 ARM Construction Loan. The rate is fixed for 10 years.

  • 10% minimum down payment with a 700 credit score.
  • 12 month construction time.
  • Only Septic design approval required before closing.


30 Fixed Rate Construction Loan

  • 10% minimum down payment with a 740 credit score assuming you do not already own the land.
  • 9 Month build time.
  • Building Permit approval required before closing.


Knowing the Process:

  1. Obtain credit approval. (Click HERE to get Approved) Once the application is completed, Terry can pre-qualify you for free and send a list of financial information needed to finish processing.
  2. Secure the land, if not already owned.
  3. Sign the building contract with True Built Home and obtain all extra owner item costs.
  4. Umpqua Bank then orders an appraisal and once 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 construction, you pay interest only on the funds drawn until the home is complete and you have an occupancy permit.

OnQ Financial
Shawn  Lynch

Mortgage Consultant
NMLS # 185650

We work with FHA/VA Construction Loans through OnQ Financial

We have worked with many different lenders on construction loans. Expand your region to view our preferred lenders in your area.

Timberland Bank
William (Bill) P. Andrews
Vice President, Branch Manager
NMLS # 539564

Office: (253) 875-4250
Toll Free: 1-800-562-8761
Fax: (253) 875-8702
Email: [email protected]



Evergreen Home Loans

Jon Hanes

tel (253) 222-5646
Email: [email protected]

Peoples Bank
Kevin Engstrom
VP/Real Estate Loan Manager
NMLS # 114057

Office: (360) 331-7136
Mobile: (425) 508-4137
Fax: (360) 331-7078
Email: [email protected]

Freeland Real Estate Loan Center
5589 Harbor Avenue
Freeland, WA 98249



Timberland Bank

William (Bill) P. Andrews
Vice President, Branch Manager
NMLS # 539564

Office: (253) 875-4250
Toll Free: 1-800-562-8761
Fax: (253) 875-8702
Email: [email protected]



Washington Federal

Krys Wortley
Branch Manager

Office: (360) 629-2123
Fax: (360) 629-2124
Email: [email protected]

9025 271st St. NW
Stanwood, WA 98271

Washington Federal
Tina Ferderer
Email: [email protected]

Vanessa Mills
Email: [email protected]

Office: (509) 484-8009

5322 N. Division Street
Spokane, WA 99207



Umpqua Bank

Scott Fuller

Office: (509) 842-9560
Cell: (509) 879-6670
Email: [email protected]

111 N River Drive Suite 206
Spokane, Wa 99201



GESA

Robert Howard

Office: (509) 464-4081
Cell: (509) 998-3636
Email: [email protected]

618 W Riverside Ave, Suite 101
Spokane, Wa 99201

Umpqua Home Lending
Angie Stillman
Home Loan Officer
NMLS # 114291

Phone: (360) 258-3532
Cell: (360) 609-3022
Email: [email protected]

Debbie McCloud
Mortgage Loan Specialist
NMLS # 487497

C:ell (360) 600-2025
Fax: (503) 372-0349
Email: [email protected]
umpquabank.com/dmccloud

1406 SE 164th Ave #100
Vancouver, WA 98663



Washington Federal
Robin D. Wilson
Branch Manager
NMLSR # 560593

Office: (503) 585-1677
Email: [email protected]



Banner Bank
M. Regina Stoll
Residential Loan Officer
NMLS # 120910
Phone: (503) 352-3762
Cell: (360) 780-6707
Email: [email protected]