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Routing Number 325181248
Trusted lender for Pro Made Homes in the Northwest
With local decision making right here in your community, Gesa helps you finance your Pro Made home with confidence, clear terms, and personal support every step of the way.
Or you can call or email our Home Loans team to connect with a local expert—available evenings and weekends.
Call: (833) 710-0652
Email: [email protected]
Which Pro Made Homes communities does Gesa serve?
Gesa supports Pro Made Homes buyers across Washington, Oregon, and Idaho, including Kennewick, Pasco, Richland, West Richland, Grandview, Sunnyside, Moses Lake, Deer Park, Spokane, Post Falls, and Boardman. Choose your region below to find the right local home loan team, view featured loan officers, and explore financing options for your Pro Made home.
What makes Gesa a strong financing partner for Pro Made Homes buyers?
Gesa supports Pro Made Homes buyers with local loan decisions, region-based home loan officers, and a featured Community Purchase Special for eligible buyers. You can apply online, upload documents securely, and still work with a real person who knows your market. That means less guesswork and more confidence from pre-approval to closing.
Why does local guidance matter when buying a new construction home?
New construction timelines, builder contracts, and payment planning can look different from a resale purchase. A local loan officer can help you line up pre-approval, understand rate options, and keep closing steps moving with fewer surprises. You stay focused on your new home while we help keep the financing piece clear.
What financing support can Pro Made buyers expect from Gesa?
Pro Made buyers can connect with a Gesa home loan officer, compare loan options, review payment scenarios, and complete much of the process online. Some officers are construction certified, which adds helpful experience when your purchase involves builder timing, community inventory, or a move-in-ready home. You get guidance that fits the way new-home purchases actually work.
How do I find a local Gesa home loan officer for my Pro Made Homes purchase?
Start with your Pro Made community or your preferred city, then choose the regional page that matches that market. From there, buyers should be able to see local loan officers, NMLS numbers, contact options, and whether an officer is construction certified. If you are not sure where to start, the Home Loans team can point you to the right local expert.
Need help choosing a region?
If you are between markets or still deciding where to buy, call (833) 710-0652 or email [email protected]. The Home Loans team is available evenings and weekends and can connect you with the right regional expert. You do not need to figure it all out alone before reaching out.
What is the process for financing a new Pro Made home with Gesa?
Most buyers move through three simple stages: get pre-approved, choose the home and review loan options, then finalize documents and close. Gesa supports each step with local guidance, secure online tools, and direct access to a loan officer. That helps keep the process more predictable while you focus on your move.
Step 1:
Get pre-approved before you choose your home
Pre-approval helps you understand your price range, estimated payment, and loan options before you commit to a home. It can also make your purchase feel more solid when you are comparing communities, floor plans, or move-in-ready inventory. Starting here usually saves time later.
Step 2:
Compare loan options and monthly payment scenarios
Once you find a Pro Made home or community you like, your loan officer can compare options and mortgage solutions. The goal is to match the loan to your budget, timeline, and comfort level. Clear payment scenarios make that decision easier.
Step 3:
Upload documents, sign securely, and prepare to close
After you move forward, you can track status, upload documents, and complete many steps through Gesa’s secure digital portal. You still have a local point of contact if questions come up. That balance of technology and human guidance helps keep closing on track.
FAQs
Yes. Gesa finances Pro Made Homes in communities across Washington, Oregon, and Idaho, including places like Kennewick, Pasco, Richland, West Richland, Grandview, Sunnyside, Moses Lake, Deer Park, Spokane, Post Falls, and Boardman. If you’re not sure which region you’re in, call (833) 710‑0652 or email [email protected].
The first step is getting pre‑approved so you know your price range and estimated payment before you choose a home or floor plan. A Gesa loan officer will review your goals, check how much you qualify for, and outline your options.
You’ll need basic financial and identification documents so we can verify income and assets, typically:
- Recent pay stubs or proof of income
- Two-year employment history
- Recent bank or asset statements
- Authorization for a credit check
- A valid government-issued photo ID
Most items can be uploaded securely through Gesa’s online portal.
New construction often involves build timelines, specific builder contracts, and planning your move around completion dates. A local, construction-experienced loan officer helps align your financing with the builder’s schedule, so your loan and move‑in stay on track.
Pre‑approval can happen quickly once we have your documents, and the full loan process usually follows the builder’s completion timeline. Your loan officer will give you a clear expected schedule from application through closing.
Gesa offers a range of fixed‑rate and adjustable‑rate mortgages, along with programs that may feature low or no down payments for eligible borrowers in Washington, Oregon, and Idaho. Your loan officer will match options to your budget, timeline, and whether this is your first or next home.
Closing costs for most home purchases usually range from about 2% to 5% of the home’s price. These include lender fees, appraisal, title services, and prepaid items like property taxes and homeowner’s insurance; you’ll receive a detailed estimate early in the process.
To keep your approval and closing on track, it’s best to avoid:
- Taking on new debt or opening new credit cards
- Changing jobs or income sources mid‑process
- Making large, undocumented deposits
- Skipping pre‑approval or delaying requested documents
If you’re unsure about a financial change, check with your loan officer first.
Yes, you’ll need to be a Gesa member, but you can become one during the loan process. Membership is open to people who live, work, worship, or attend school in Washington or parts of Oregon and Idaho, and many family or employer relationships qualify as well.
Start with your Pro Made community or preferred city and choose the matching region (Greater Tri‑Cities, Yakima Valley, Greater Spokane, Central Washington, Eastern Oregon, or North Idaho). From there, you can view local loan officers, their NMLS numbers, and contact information, including whether they’re construction certified.
Yes. You can apply online, upload documents securely, and track your loan status through Gesa’s digital portal, while still having direct access to a local loan officer by phone, email, or in person when you need it.
Your interest rate is the percentage used to calculate your monthly principal and interest payment. Your APR (Annual Percentage Rate) includes the interest rate plus certain fees and finance charges, giving you a better apples‑to‑apples comparison between loan offers.
Every Gesa membership helps support local schools and nonprofits through our community giving programs. For example, affinity debit cards help direct donations to local causes, so your everyday banking can positively impact the community around your new home.
Disclosures:
All loans subject to credit approval and membership eligibility. Credit Union NMLS 402395.
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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
We have upgraded to a new account opening process. Click Get Started to continue.
Getting started is easy!
Applying should only take a few minutes. Please have these documents ready:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
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Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
Call (888) 946-4372 or apply at a branch
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Notes & Fees Glossary
| Disclaimer | ||
|---|---|---|
| SmartPlus Checking | [APY] Minimum opening balance of $25 required if the account is opened online. In order to earn APY and receive unlimited domestic ATM fee refunds, you must meet the following requirements during each monthly qualifying period: provide and maintain valid email address, apply for and use your Visa debit card to make 15 debit card transactions that post and settle to your account, have at least one direct deposit of $200 or more post to your account, and enroll to receive eStatements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY will apply to the entire balance. Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member. APY is accurate as of , the last dividend declaration date. | A7KD4W9LQXZT |
| Smart Checking | *There is a minimum opening balance requirement of $25.00 if the account is opened online. Regular users of Gesa’s electronic services may want to consider SmartPlus Checking for additional benefits. [Courtesy Pay] | M3VY82CNRLKP |
| Student Checking | [APY] Dividends on Student Checking Accounts are calculated using the daily balance method and will be credited to the member’s account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. Courtesy Pay is not offered on Student Checking Accounts. Only electronic transactions such as debit card or ACH transactions are permitted. Fees could reduce earnings on the accounts. | JXZ7V5MWLQ92 |
| Smartplus Savings | [APY] In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Dividends on an SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limited to one SmartPlus Savings account per member. | P9T6QF2XJBLC |
| Smart Savings | [APY] Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings on the account. | Y4MKZ3WVTPQ8 |
| High-Yield Savings | [APY] Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. | NDLXQ98R5VTE |
| Money Market | [APY] Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500.00. There is a minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Consumer Fee Schedule. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account. | GQ37ZVKY1WLM |
| Fixed Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity): If your account has an original maturity (term) of less than 12-months: The penalty will equal 90 days interest on the amount withdrawn subject to penalty. If your account has an original maturity (term) of 12-months or more – up to, but less than 36-months: The penalty will equal 180 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 36-months or more – up to, but less than 48-months: The penalty will equal 365 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 48-months or greater: The penalty will equal 540 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty. A $500 minimum deposit is required for consumer, IRA, and business certificates. Early withdrawal penalties may apply and may reduce earnings. Certificate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month. | H85PLKJXZ2QM |
| Bump Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. The Certificate owner must contact Gesa Credit Union to request the one-time rate increase on Bump Certificate accounts. The rate on the Bump Certificate will be changed on the following business day of the date Gesa Credit Union receives the request. The bump option can only be exercised once during the term of the Certificate and does not increase the term of the certificate. The new interest will not be applied retroactively. The new interest rate will be the interest rate we are then offering on regular certificates (non- bump rate certificates) that have the same term and minimum balance. Bump Certificates are only available for consumer and IRA Certificates. Early withdrawal penalties will apply. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Special offer for a limited time only. | RXNQ72MLYV9C |