Hello
I'm Deborah Criddle
I'm a Mortgage Loan Officer, dedicated to guiding families and individuals through every step of the mortgage process. From first-time buyers to renovations, I provide clear, personalized solutions to help you reach your homeownership goals with confidence.
NMLS 20009
208-331-6886
Featured Properties - Beaches Corner Townhomes
2-1 Buydown
- Lower Initial Payments: The 2/1 buydown reduces your mortgage interest rate by 2% in the first year and 1% in the second year, leading to significantly lower monthly payments for the first year.
- Increased Affordability: The temporary rate reduction helps make homeownership more affordable during the early years of your mortgage, easing financial strain as you adjust.
- Easier Transition to Full Payments: After the buydown period ends, your payments return to the standard rate, but by then, your financial situation may have improved, making it easier to handle the full mortgage payment.
Permanent Buydown
- Long-Term Savings: A permanent buydown lowers your interest rate for the entire life of the loan, which means substantial savings on interest over time and a lower overall mortgage cost.
- Predictable Payments: With a permanent reduction in your interest rate, your monthly payments remain consistent and more affordable for the duration of your mortgage, providing long-term financial stability.
- Increased Home Affordability: By reducing the interest rate permanently, a buydown can make a more expensive home within reach, helping you afford a larger loan without the stress of rising payments over time.
Additional Financing
- Stability and Predictability: Traditional financing typically offers fixed interest rates and predictable monthly payments, providing long-term financial stability and helping you budget more effectively.
- Wide Availability: With a variety of loan options (FHA, VA, conventional, etc.), traditional financing is accessible to many borrowers, including first-time buyers, those with good credit, and veterans.
- Build Equity Over Time: With traditional financing, your mortgage payments help you build equity in your home, contributing to long-term wealth as your home value appreciates and your loan balance decreases.
Reviews
About Deborah Criddle
More about Deborah
Deborah has been in the mortgage industry for over 30years, entering the field with minimal knowledge but quickly discovering that she was exactly where she was meant to be. Her dedication and expertise have earned her the title of "Mortgage Queen." Alongside her husband, Kris, she has raised four wonderful sons and welcomed two daughters(in-law) and two grandsons into their family. In her downtime, Deborah loves to snowmobile and razor ride, with Moab, Utah, being her favorite destination, alongside Hawaii. Her passion for adventure reflects her vibrant personality, making her not just a leader in her profession but also a cherished family member and friend.
Get to know deborah
Deborah has been in the Mortgage Industry for over 30 years. She is a powerhouse of knowledge and works hard to help everyone get into their dream home.
Cell: 208-313-6886
Email: deborah@regalmtg.com
Deborah Criddle | Branch Manager | NMLS 20009
Down Payment Assistance
Don’t let the lack of a large down payment stop you from pursuing your dream of homeownership. We have so many incredible options for those with little to no down payment.
Credit issues
Do you have damaged or less than perfect credit scores? We can work with that! Let's take a look at your credit scores and see what we can do.
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Regal Mortgage
1515 Ashment Ave. Suite 1, Idaho Falls ID 83404
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