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Bank of the San Juans
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Home Loans

Why choose Bank of the San Juans mortgage lenders? 

We're a local bank with local solutions. We empower every homebuyer with clarity, confidence, and expertise, delivering clear mortgage solutions that fit your life, not just your loan.
 

Turn your home dreams into a reality. 

Are you ready to finance the house of your dreams? Whether you’re a first time-home buyer or just looking to upgrade, we can help you find the loan that makes you feel right at home. Not all mortgages are created equal. Let our experienced lenders help you sort through the financing options! 
 

Current Homebuyer Incentive:

Relationship Pricing*

Banking locally has its benefits. If you have a deposit relationship with Bank of the San Juans, you are eligible to earn credit that can be applied toward your closing costs. 
 
New accounts with a minimum balance of $1,000 are eligible for a $700 credit (or 0.25% of the loan amount, whichever is less) to be applied toward closing costs.

Existing accounts with a minimum balance of $1,000 are eligible for a $1,500 credit (or 0.50%) of the loan amount, whichever is less) to be applied toward closing costs).
 
If you choose to work with a Bank of the San Juans Mortgage Loan Originator, you are eligible to receive an additional $300 credit toward closing costs.  
 
*Relationship Pricing is subject to verification and approval as determined by Bank of the San Juans. Available Account Relationship Pricing funds must be over and above those needed for down payment and closing costs to receive the Relationship Pricing credit. Available only for purchase transactions originated after January 1, 2026. Relationship Pricing Program is subject to change by Bank of the San Juans. Not available for refinance, portfolio, lot/land or construction transactions. 
 
Complete your home loan application in about 10 minutes. 

  • Fixed or adjustable rates
  • Competitive rates and flexible terms 
  • Down payment as low as 3% (with MI)
  • Government backed mortgage program
  • Ideal for lower credit scores
  • Popular choice or First-time Homebuyers 
  • Minimum down payment as low as 3.5%
  • Exclusive home loan benefit available to eligible U.S. veterans, active duty, service members, and certain surviving spouses.
  • Backed by the U.S. Department of Veterans Affairs
  • No down payment required for most purchase transactions 
  • No monthly mortgage insurance 
  • Competitive interest rates 
  • Government backed mortgage program from the U.S. Department of Agriculture 
  • Designed to help low to moderate income buyers purchase homes in eligible rural and suburban areas.
  • Offers affordable home financing with no down payment required.
We offer a multitude of construction products to cater to your financial needs:
 
One-time Close 
  • One application, one approval, one closing.
  • Designed to finance the construction of a new home with a smooth transition to a permanent mortgage.
  • Interest only payments during construction. 
  • Variable and fixed rates options available. 
Two-time Close
  • Traditional construction financing with two separate loans.
  • Offers flexibility in loan terms and potentially lower permanent financing rates.
  • Two separate closings - one at the start of construction and one at the conversion to a permanent mortgage.
  • Interest only payments during construction.