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Residential Home Loans and Construction Loans
Whether you are buying your first home, refinancing, or thinking about building your dream home, we can help you find the right mortgage product for your needs.  We have been a leader in the San Juan Islands for homeownership and construction lending, including manufactured and modular homes.  We are also Affordable Housing Specialists.  We are one of the only lenders that make loans on non-ferry serviced islands.

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Home Equity Loans
Home Equity Loans and Home Equity Lines of Credit allow you to borrow against the equity in your home to fund renovations, pay educational expenses or to simply pay for a long awaited trip.  A home equity loan is a one-time advance to you; a Home Equity Line of Credit is a revolving line with a pre-determined limit.  Both have different advantages depending on your needs.

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Rental Home Loans
We are able to finance second-homes, vacation rental homes, or investment rental properties in our market area.  We see this as an investment in our community; we’re islanders too!

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Land Loans
We have loan products available to assist you in acquiring a lot for future construction or for investment.

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Commercial Real Estate Loans
We offer a full range of real estate loan products, including acquisition and development loans, construction loans, bridge loans, and permanent loans.   We will consider a wide array of projects, including:

  • Lot purchases
  • Owner-occupied commercial real estate
  • Investor-owned commercial real estate
  • Special purpose properties
  • A&D and Subdivision loans


Contact the Islanders Bank Lending Team to discuss loan options, rates and terms.