We firmly believe that the best way to handle mortgages is for the borrower to be actively involved in the process every step of the way. From choosing between loan programs to understanding negotiating terms, we're here to help you with anything you need.
Below are some of the most commonly utilized loan programs we offer...
VA
VA loans are designed to help active or former military service members get a great loan option after or while they serve our country. They come with no down payment, low closing costs, great mortgage rates and zero private mortgage insurance.
FHA
Backed by the Federal Housing Administration, these loan programs come with low fixed rates that require very little cash up front to close. They offer less stringent credit requirements, low down payments and the ability to bring in a co-signer.
USDA
These are government-insured loans that come with no down payment and low insurance premiums. They’re meant to help with the acquisition of rural and farming land, primarily.
Conventional
These fixed-rate loan programs are one of the most common types of mortgages you can apply for. These loans offer protection to the buyer from unexpected rate increases which would result in increased monthly mortgage payments. These fixed-rate mortgages are offered in either 15 or 30 year options.
Construction Loan
Get the financing you need to build the house of your dreams. Pay only the interest on your loan during the construction period, and once your home is built, you’ll have reduced your subsequent monthly amortizations. Get in touch with us to apply for a construction loan.
Reverse Mortgage
Convert part of your home’s equity into cash with a reverse mortgage. If approved, you won’t have to make any monthly mortgage payments. You may apply for this loan if you’re at least 62 years old. Learn the rest of the requirements for a reverse mortgage in the Idaho area and see if it might be a good fit for you. Give us a call to learn more.
Refinance
Get your monthly mortgage payments lowered by applying for mortgage refinancing. Refinancing pays off your first loan and lets you start afresh with a new one. You can get a better interest term and rate on this second loan. Talk to us today and find out if refinancing is the best solution for your needs.
One size does not fit all, contact us today to learn more.