LESS GUESSING.
MORE GUIDANCE.

Northwest Home Loans

Let us simplify the mortgage process.

Buying a home is an exciting, yet complex process. At Northwest, our job is to help make it simpler for you.  By communicating often, providing clear answers and always staying accessible and responsive, we walk you through each step to make your mortgage loan as seamless as possible.

Conventional
Northwest Plus
Jumbo Mortgage
Construction Loan
USDA
VA
Physician
Hometown
Conventional
Perfect if you're looking to buy a single-family home, owner-occupied primary residence, second home or investment property.
The basics

No income restrictions
620 minimum credit score
Borrow up to $484,350
Purchase or refinance

Rate information

Check rates
For more rate information, contact your local office, or call 1-888-884-4626.

Fixed or adjustable rates available.

Fees and down payments

Our standard low fees.

Down payment as little as 5%, based on credit score and other qualifying information.

Private mortgage insurance (PMI)

Private mortgage insurance required with less than 20% down payment.
Can be dropped when your loan balance is 80% of the original value of your home.
No upfront mortgage insurance premium.

Apply now
Northwest Plus
This program is tailored to customers who may not qualify for a conventional loan, but are otherwise creditworthy. Whether it’s a unique property, excessive acreage or challenges with documentation, our Home Loan experts are available to help you accomplish your goals.
The basics

Income restrictions apply

640 minimum credit score

Borrow up to $484,350

Purchase and refinance options available

Rate information

Fixed-rate and adjustable-rate mortgages available.

For more rate information, contact your local office, or call 1-888-884-4626.

Fees and down payments

Our standard low fees.

Down payment as little as 10%, based on credit score and other qualifying information.

Private mortgage insurance (PMI)

Private mortgage insurance required with less than 20% down payment.

Can be dropped when your loan balance is 80% of the original value of your home.

No upfront mortgage insurance premium.

Apply now
Jumbo Mortgage
Thinking big? So are we. Let us handle the heavy lifting for luxury home loans.
The basics

No income restrictions

700 minimum credit score

Purchase or refinance

Rate information

Fixed-rate or adjustable-rates available.

15, 20, and 30 year fixed terms available. Competitive interest rates. For more rate information, contact your local office, or call 1-888-884-4626.

Fees and down payments

Our standard low fees.

Down payment as little as 10% based on credit score and other qualifying information.

Private mortgage insurance (PMI)

Private mortgage insurance required with less than 20% down payment.

Can be dropped when your loan balance is 80% of the original value of your home.

No upfront mortgage insurance premium.

Apply now
Construction Loan
Looking to build the home of your dreams or renovate your current home? We've designed one of the most respected construction loans in the market to accommodate the needs of both you and your builder.
The basics

No income restrictions

640 minimum credit score

Purchase or refinance

Rate information

Fixed-rate or adjustable-rate options available.

For more rate information, contact your local office, or call 1-888-884-4626.

Fees and down payments

Our standard low fees.

Down payment as little as 5% based on credit score and other qualifying information.

Private mortgage insurance (PMI)

Private mortgage insurance required with less than 20% down payment.

Can be dropped when your loan balance is 80% of the original value of your home.

Apply now
USDA
The United States Department of Agriculture (USDA) offers home loans for borrowers living in rural areas.
The basics

Available with credit score as low as 640

Seller contributions of up to 6% permitted

Property must be located in an eligible area

Must meet certain income restrictions

Rate information

30-year fixed-rate option available.

Fees and down payments

No down payments required.

Ability to finance the up front USDA Guarantee fee, reducing your closing costs.

Private mortgage insurance (PMI)

An up front USDA Guarentee Fee, plus an annual fee are required. The up front fee can be financed into the loan.

Apply now
VA
We want to thank our veterans for their service. The Veterans Administration (VA) has created a loan program which offers 100% financing, flexible credit requirements and no income restrictions.
The basics

Available with credit score as low as 640
Purchase or refinance.
Seller contributions up to 4% permitted.

Rate information

Fixed-rate and adjustable-rate loans available.

Fees and down payments

Abiliity to finance the up front VA funding fee reducing your closing costs.

No down payment required.

Private mortgage insurance (PMI)

No private mortgage insurance required, reducing your monthly payments.

Apply now
Physician
We want to take care of the people who help take care of us. To say thanks, we’ve created a loan program available to physicians and residents with certain medical designations.
The basics

Designed for MD, DO, DDS, DMD, or DPM designations.
Purchase or refinance.

Rate information

Fixed-rate and adjustable-rate loans available.

For more rate information, contact your local office, or call 1-888-884-4626.

Fees and down payments

Our standard low fees.

Down payment as little as 0% based on credit score and other qualifying information.

Private mortgage insurance (PMI)

The normal PMI requirement on mortgages is waived through this program.

Apply now
Hometown
We have loan programs designed for first time homebuyers, those who have limited funds for a down payment and our heroes like active military members, veterans, police officers, fire fighters and EMTs.
The basics

First Time Homebuyer, Affordable Home and Heroes Loan Programs

Purchase and refinance options available
 

Rate information

Low, fixed-rate options available.

For more rate information, contact your local office, or call 1-888-884-4626.

Fees and down payments

As little as 3% required for down payment.

Private mortgage insurance (PMI)

Private mortgage insurance (PMI) required with less than 10% down payment.

Can be dropped when your loan balance is 80% of the original value of your home.

No upfront mortgage insurance premium (MIP).

Apply now
Conventional+
Northwest Plus+
Jumbo Mortgage+
Construction Loan+
USDA+
VA+
Physician+
Hometown+
Need a better idea of the numbers? Use our calculators to see what you can afford and more.
Take the next step toward home ownership

Mortgage resources

We want to help you avoid foreclosure

Sometimes, life throws you something unexpected. If you're a Northwest customer having problems paying your mortgage due to reduced income or financial hardships, you may qualify for one or more of the programs we offer.

Give us a call at 888-884-4626 for more information.

If your loan is a Freddie Mac or Fannie Mae loan, click here. If you are unsure if it's a Freddie or Fannie loan, please call us at 800-789-8075 or email loss.mitigation@nwbcorp.com.

Let us help you get started.

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