James Pham

NMLS# 2463678Residential Loan Officer

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About

Buying a home is likely one of the biggest investments you will make. That's why at Banner, we listen, help you understand the financing process, and explain the options so you can select the best loan for your situation.

Whether you are a first-time homebuyer, purchasing a vacation home or investment property, taking on a major renovation, building a custom home, refinancing, or moving up or downsizing, we are here to help. Contact me today and let's get started.

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Government loan options

Federal Housing Administration (FHA) loans have been helping people become homeowners since 1934. These loans offer favorable rates and low down payment requirements.

Government Loans

A woman holding a chair in a living room full of boxes

Buy your first home

If you’ve never bought a home or haven’t owned one in recent years, let us walk you through the process. Our specialists will listen to you, explain the options and help you find the best home loan for your situation.

First-Time Homebuyers

Freedom from high interest rates

Refinancing is an ideal way to lower your monthly payment, finance home improvements and to consolidate your debt. Our specialists can help you determine if now is the right time to refinance.

Home Refinance

* Subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or current Banner Bank deposit clients. View a list of Banner Bank'sMortgage Loan Originators National Mortgage Licensing System ID numbers.