For us, education is the name of the game. Buying or refinancing a home is one of the largest financial transactions you will make in your lifetime, the good news, we do it every single day. We know exactly what you need to know and we are happy to share our expertise. Starting with the six things you need to know to save money on your mortgage, then we'll help you navigate your options to determine exactly what is right you and your family.
Our number one goal is simple, getting you the mortgage that sets you up for long-term financial success. Finding a great lender does not have to be difficult. Planning ahead by talking with one of our experts will help make the process simple. We are local, and we have been rated five stars by our many wonderful clients.
Our number one goal is simple, getting you the mortgage that sets you up for long-term financial success. Finding a great lender does not have to be difficult. Planning ahead by talking with one of our experts will help make the process simple. We are local, and we have been rated five stars by our many wonderful clients.
Services
We are mortgage lenders in Boise Idaho and have been helping people just like you purchase homes since 1998. We are very passionate about educating our clients because the right or wrong mortgage can change a person's financial future. We provide all our clients with a written plan on how to pay off their mortgage years early and build wealth for retirement.
Mortgage Shoppers are understandably concerned about interest rates, but many folks underestimate the importance of choosing the right mortgage too. In fact, some loans with lower interest rates have higher monthly payments because of the government required mortgage insurance associated with the loan program itself!
A conventional loan is typically any loan that is not insured by a government agency such as the Dept of Housing and Urban Development (HUD), the Veterans Administration (VA) or the USDA. Conventional loans are typically offered by banks, credit unions, and private mortgage companies.
A special type of conventional loan is a "conforming" loan which is "pooled" together with other conventional loans and sold on the secondary market to the government-sponsored enterprises, Freddie Mac and Fannie Mae.Conforming loans offer consumers competitive interest rates with or without private mortgage insurance.
A special type of conventional loan is a "conforming" loan which is "pooled" together with other conventional loans and sold on the secondary market to the government-sponsored enterprises, Freddie Mac and Fannie Mae.Conforming loans offer consumers competitive interest rates with or without private mortgage insurance.
A Federal Home Administration Loan (FHA loan) is a loan which is backed by the Department of Housing and Urban Development (HUD). With down payments starting at 3.5% down and some of the most flexible credit guidelines in the industry, the FHA loan is popular among first time home buyers and move up buyers alike.
Rural Development Loans were established in 1994 as a result of the Department of Agriculture Reorganization Act to meet housing and community development needs of rural America. Guaranteed by the United States Department of Agriculture (USDA), these loans provide affordable ways to finance homes in designated rural areas.
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