Hi! I am Kyah Criddle!
As someone who grew up in Ririe, it's a true honor to serve as the trusted lender for this exciting new development. This community has always been home to me, and watching Ririe continue to grow while maintaining the small-town values that make it so special is something I'm incredibly proud to be a part of.
Whether you're purchasing your first lot, building your forever home, or investing in your future, I'm committed to making the financing process as smooth and straightforward as possible. My goal is to provide knowledgeable guidance, clear communication, and personalized service every step of the way.
Helping families put down roots in the town I love is more than my job, it's a privilege. I look forward to helping you make your dream of building a home in Ririe a reality.
Construction Loans
Found the perfect lot?
A One-Time Close (1x) Construction Loan makes the process easier by combining your construction financing and permanent mortgage into one simple loan.
How It Works:
Instead of getting one loan to build your home and another loan when construction is complete, a One-Time Close loan does it all in a single closing.
That means:
One application
One closing
One set of closing costs
Less paperwork and fewer headaches
Once your home is finished, your construction loan automatically converts into your permanent mortgage.
Why Buyers Love a One-Time Close Loan:
- Buy your lot and build with one loan (if eligible)
- Lock in your interest rate before construction begins (depending on the loan program)
- Save money by avoiding a second closing
- Enjoy a simpler process from buying your lot to moving into your new home
If you're purchasing one of the above available lots, a One-Time Close Construction Loan can help you finance both the land and the construction of your new home. Whether you've already chosen a builder or are just getting started, I'll guide you through the financing process from start to finish.
Ready to Get Started?
If you're thinking about buying a lot and building a home, I'd love to help you explore your financing options. Contact me today to learn how a One-Time Close Construction Loan can make building your dream home simpler, more affordable, and less stressful.
Contact Me!
Call/Text: 208-351-7505
Email: kyah@regalmtg.com
Office Address: 1515 Ashment Ave. Idaho Falls, ID. 83404
Construction Loan Process
Building a home may seem overwhelming, but financing it doesn't have to be. I'll guide you through each step, making the process as smooth and stress-free as possible.
1. Get Pre-Qualified
We'll discuss your goals, review your finances, and determine how much you qualify to borrow. This gives you the confidence to shop for the right lot and home.
2. Choose Your Lot and Builder
Once you've selected your lot and chosen a licensed builder, we'll gather the information needed for your loan, including building plans, specifications, and construction costs.
3. Finalize Your Loan
We'll review your complete construction package, order the appraisal, and prepare your loan for approval. Once everything is ready, you'll close on your One-Time Close Construction Loan.
4. Construction Begins
After closing, your builder starts construction. Loan funds are released in stages, called draws, as work is completed and inspected. This ensures your project stays on track while your builder is paid throughout the process.
5. Move Into Your New Home
When construction is complete, your One-Time Close Construction Loan automatically converts into your permanent mortgage. There's no second loan, no second closing, and no additional closing costs. You simply move into your new home and begin making your regular mortgage payments.
I am Here Every Step of the Way
From your first conversation to the day you receive the keys, we'll be available to answer questions, coordinate with your builder, and help make your home-building journey as simple and enjoyable as possible.
Ready to Start?
I am so excited to take this journey with you! Click the button below to get started!