You may be able to:

• Reduce your monthly payment and overall interest by refinancing to a lower rate
• Exchange an adjustable rate mortgage (ARM) for a fixed-rate loan
• Convert your equity to cash for debt consolidation, home improvements, or a special occasion or event
• Reduce the number of years left on your loan by refinancing to a shorter term*

Check the status of your loan.

*All Salal loans are subject to credit approval.

See our current rates here.

For information on subordination, click Subordination requirements and UCC Subordination Requirements.

Our Physician's Mortgage* is designed specifically for busy doctors and doctors-to-be.

• For physicians only (doctors, dentist, optometrists, etc.)--licensed or in residency/fellowship.
• Purchases/refinances up to 95% Loan-to-Value (LTV) with no Private Mortgage Insurance (PMI) required.
• Student loans not considered in debt-to-income ratio calculations.
• Adjustable rates with several term options.

*All Salal loans are subject to credit approval.

• Fixed-rate and adjustable-rate mortgages available
• Wide range of term options
• Low rates and fewer and lower fees than most financial institutions
• Interest-only loans available
• First-time homebuyer's program makes the process simpler
• Jumbo mortgages at highly competitive rates

Check the status of your loan.

*All Salal loans are subject to credit approval.

See our current rates here.

Our Physician's Mortgage* is designed specifically for busy doctors and doctors-to-be.

• For physicians only (doctors, dentist, optometrists, etc.)--licensed or in residency/fellowship.
• Purchases/refinances up to 95% Loan-to-Value (LTV) with no Private Mortgage Insurance (PMI) required.
• Student loans not considered in debt-to-income ratio calculations.
• Down payment funds can be gifted.
• Adjustable rates with several term options.

*All Salal loans are subject to credit approval.

• Competitive fixed rates
• Borrow up to 80% of the equity in your home
• Interest may be tax deductible*
• Receive a single, lump-sum payment to use as you need

*All Salal loans are subject to credit approval. Consult your tax advisor about the possibility of tax deductions.

See our current rates here.

With a home equity line of credit (HELOC), you may be able to borrow up to 80% of your home's equity. HELOCs have variable rates and allow you to draw up to the amount available on your line as you need the cash, rather than receiving the money all at once; up to the amount available on your line. Salal offers two convenient HELOC options:

• The Online Access HELOC makes it possible to manage your money easily and safely through online banking.
• With the Visa® Access HELOC, you can borrow by using your Visa Equity card just as you would a credit card, only with a much lower rate of interest. And of course, you get all the benefits of carrying a Visa:
• Worldwide acceptance
• No cash advance fees
• Zero liability lost/stolen card reporting
• Travel and car rental insurance
• Much, much more

*All Salal loans are subject to credit approval. Consult your tax advisor about the possibility of tax deductions.

See our current rates here.