MORTGAGE LOANS

Welcome Home!

We are dedicated to making the home loan experience a positive one and will help take the stress and hassle out of buying a home. Bank of the San Juans offers hundreds of loan programs to fit your unique situation. Whether buying your first home, refinancing or building your dream house, expect a high level of personal service at competitive rates. Contact one of our mortgage specialists today or email us at support@banksanjuans.com.

Durango

Beth Malecki
970-247-1818

Dirk Patterson
970-247-2828

Pagosa Springs

Ray Takala
970-264-1818

David Musser
970-426-7116

Click here for our online mortgage calculators

Home Buying

You may want to get pre-qualified before you shop. It's free and will tell you how much home you can buy and makes applying for a mortgage easier. A mortgage prequalification can even give you additional leverage with a seller in negotiating the best possible terms of the sale. We offer fixed rate mortgages, adjustable rate mortgages, jumbo loan mortgages, interest only and much more.

Refinancing

Refinancing is worth considering if you'd like to:

  • Lower your monthly payments
  • Pay off your mortgage faster
  • Take cash out of your property

Interest rates and the term of your mortgage can affect your decision.

Home Equity Loans

Move cash from your home to your pocket. Home Equity Loans might be a great way for you to make the home improvements you've been dreaming about or go on that much needed vacation, consolidate debt, pay for college or buy a new car. In many cases using the equity in your home is a tax deductible way of purchasing the things you need.*

* Consult with your tax advisor.

Construction
Bank of the San Juans offers one-stop construction loans. Get the expertise and guidance you need to ensure a successful project from A-Z. We also specialize in:
  • Second home mortgages and investment property
  • First time home buyer programs
  • Lot and land loans
  • Manufactured home loans
  • And much more!
Download Loan Application
  1. Document Checklist (pdf)
  2. Uniform Residential Loan Application (pdf)

Follow the steps below to submit a banking application.

  1. Download the Document Checklist and Uniform Residential Loan Application.
  2. Print and fill out the application
  3. Mail, fax, or bring to your closest BSJ Branch
    (click here for branch locations)
  4. A customer service representative will contact you within one business day to help you complete the process.