Does Gesa finance Pro Made Homes in my area?

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 homeloanteam@gesa.com.

What is the first step in getting a home loan for my Pro Made home?

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.

What documents are needed for pre-approval?

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.

How is financing a new Pro Made home different from buying a resale home?

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.

How long does the home loan process take?

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.

What types of loans can I use to finance a Pro Made home with Gesa?

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.

What are typical closing costs for a Pro Made 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.

What mistakes should first-time buyers avoid?

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.

Do I have to be a Gesa member to qualify?

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.

How do I find the right Gesa loan officer for my Pro Made community?

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.

Can I complete most of my Pro Made home financing online?

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.

What are “interest rate” vs. “APR”?

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.

How does Gesa give back to the community where my new home is being built?

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.

Pro Made Homes financing in Northeast Washington | Gesa | Idaho, Oregon, Washington Credit Union

Becky Walrath

NMLS: 1945688
North Spokane
Home Loan Officer
Construction Certified
5123 E 3rd Ave. Suite 200
Spokane Valley
Spokane, WA 99212

Direct: (509) 671-1847
Fax: (509) 316-4618
Email: [email protected]

Get in touch

Brandy Cornett

NMLS: 1871277
Post Falls and Boise, Idaho
Home Loan Officer
Post Falls 317 S Beck Road
Post Falls, Idaho 83854

Direct: (509) 316-4677
Mobile: (480) 521-3327
Email: [email protected]

Get in touch

Dominick Ferraro

NMLS: 9833
Spokane and North Idaho Market
Sr. Home Loan Officer
Construction Certified
5123 E 3rd Ave. Suite 200
Spokane Valley
Spokane, WA 99212

Mobile: (425) 260-4771
Fax: (509) 465-1288
Email: [email protected]

Get in touch

Jared Teel

NMLS: 1332979
Spokane
Sr. Home Loan Officer
Construction Certified
5123 E 3rd Ave. Suite 200
Spokane Valley
Spokane, WA 99212

Mobile: (509) 992-2587
Fax: (509) 465-1290
Email: [email protected]

Get in touch

Sarena Solomon

NMLS: 88735
Spokane
Sr. Home Loan Officer
Construction Certified
13506 E 32nd Ave
Spokane Valley, WA 99212

Mobile: (509) 868-8689
Fax: (509) 455-3547
Email: [email protected]

Get in touch

Tyler Shearer

NMLS: 1717959
North Idaho Market
Sr. Home Loan Officer
Construction Certified
2140 W. Riverstone Dr Suite 101
Coeur d’Alene, ID 83814

Mobile: (208) 760-7739
Email: [email protected]

Get in touch

	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

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

Pro Made Homes financing in Northeast Washington