Frequently Asked Questions

You are legally required to receive the Closing Disclosure at least three business days before the scheduled closing date. This allows time for a thorough review. 

Key items to compare against your initial Loan Estimate include the spelling of your name, loan amount, interest rate, total monthly payment, closing costs, and the "Cash to Close" amount you need to bring. 

 Minor changes might occur, but significant changes (the APR increasing by more than 1/8th of a percentage point, or a prepayment penalty being added) require the lender to issue a new CD and restart the three-day waiting period. 

 The "Cash to Close" amount is specified on page 3 of the CD. You need to provide this amount via a cashier's check or a wire transfer.

 Most loans are sold in the secondary market. If this happens, your loan terms will not change, and the new servicer will send you a notice with their contact and payment information. 

 An escrow account allows you to pay property taxes and homeowner's insurance monthly as part of your total mortgage payment. The CD indicates whether you have an escrow account and the initial amounts collected for it.  

We are a full-service mortgage lender based in Idaho Falls, ID. We help borrowers with home purchases, refinances, construction, and renovations across Idaho, Arizona, Montana, North Dakota, New Mexico, Texas, Utah, and Wyoming. We offer a wide range of loan programs to fit different financial situations.  

 Yes! We regularly work with first-time homebuyers helping them understand down payment options, credit requirements, and the full mortgage process. 

 Yes. We offer renovation loan programs that allow qualified borrowers to finance the purchase or refinance of a home along with renovation costs in one loan. 

 Yes. We offer FHA-insured Home Equity Conversion Mortgages (HECM) for homeowners age 62 or older, allowing them to access home equity without required monthly mortgage payments. 

 In many cases, yes. A HECM reverse mortgage can be used to pay off an existing mortgage and provide additional funds, as long as eligibility requirements are met. 

 Yes. We offer financing options for manufactured homes, depending on property type, foundation, and loan program guidelines. We even have a program that can lend on manufactured homes in a park. 

 Yes. DSCR loans are available for real estate investors and are primarily based on the property’s cash flow rather than personal income. 

 Yes. We regularly work with self-employed borrowers and can review multiple loan options to find a solution that fits their financial profile. 

 The mortgage process typically takes 30–45 days from application to closing, though timelines can vary based on loan type and documentation. We can close in as little as 10 days if all parties are willing to work fast. 

 Yes. We frequently assist clients relocating to Idaho and help coordinate financing while they transition from out of state. 

 Yes. We regularly collaborate with local real estate agents to help ensure smooth transactions and clear communication throughout the loan process. 

 Yes. We offer mortgage consultations to help borrowers understand their options before applying, whether they are buying, refinancing, or planning ahead. 

 Yes. We are powered by Premier Mortgage Resources, giving our clients access to strong lending support and a wide range of loan programs.