Home Loans in Idaho Falls & East Idaho
Local Lenders I Refer
These are local Idaho Falls lenders I trust and refer my clients to. I only recommend people I would personally use. You're always free to choose any lender you like, and I don't receive any fee, compensation, or other thing of value for referring you to them.
Jason Speirs
Loan Officer
InterWest Mortgage
NMLS #5720
Idaho Falls loan officer with 20 years of mortgage experience, helping buyers purchase and homeowners refinance at InterWest Mortgage, a local lender since 1986.
View profile
Brandi Erickson
Mortgage Loan Officer, Construction Certified
Idaho Central Credit Union (ICCU)
NMLS #1188213
Construction-certified mortgage loan officer at ICCU's Idaho Falls office, helping local buyers finance their home purchases.
View profile
Kabe Call
Loan Officer
Idaho First Mortgage
NMLS #2220382
Southeast Idaho native who works with first-time and seasoned buyers on conventional, FHA, VA, and USDA loans, including down payment assistance programs.
View profileDemystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our team will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
We Help You Get The Best Loan
Start The Process
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
