FREE Lunch & Learn w/ First Federal

Please RSVP!

Bridge loans-Why Agents love these:   Buyers want to make a non-contingent offer on a new property, but need to sell their home first.. This eliminates the worry that the seller will take another offer because of the contingency, or a seller wants to buy a new home before they list their current home and take their time to move….this eliminates the worry about carrying two full mortgage payments.

Portfolio Loans-Why Agents Love these:  Not every buyer fits into “the box” when it comes to getting a loan.. in fact more often than not, they don’t.   We can lend even when faced with  unique properties, unconventional income sources, higher DTI, lower Credit scores, etc.

Construction Loans-Why Agents Love these:  often times the Agent gets cut out of  deal when the buyer decides to build.. especially with a custom builder.   We help ensure that does not happen by working with the builder and the client to ensure that Agent is involved in the process and we can do construction lending up to 95% Loan to value.

Lot Loans-why Agents love these:  who doesn’t love an easy slam dunk lot purchase.. that will typically turn into a custom build transaction and potential builder relationship??

Low Lender Fees-Why agents love this:  Sellers are paying buyers closing costs in this current market, so keeping the buyers fees as low as possible is important.   As compared to most lenders who charge $895+ for doc prep/processing fee, we have opted to keep our fees limited to $395 for most products and $595+ for Portfolio, construction and IHFA loans

Added Value that Agents love about Us:

• Local Idaho Community Based bank that has been around for 104 years
• Our Funding process is amazing.. we bring the docs and the funding check to closing typically 2-3 days prior to signing.. of course we can email and wire if necessary
• We have a total of 250 employees bank wide, so when a questions is asked, there are not 6 layers of management to go through to get the answer.  One call, one answer
• Loans are submitted directly to underwriting.. which eliminates delays, and you know if your clients loan is approved within 24-48 hours, rather than 2 weeks or right before closing…  we have all been there and we all know that is NOT fun.