Financing

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents 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.

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Our Preferred Lender

Landon has been originating mortgage loans for over 15 years. Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need a top professional who is able to give you quick and accurate information. As an experienced loan officer, Landon has the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is his ultimate goal, and he is committed to providing his customers with mortgage services that exceed their expectations. Idaho First Mortgage is licensed to lend nationwide!

Landon Kesler

Mortgage Loan Officer
PHONE
(208) 757-0507
EMAIL
[email protected]
LICENSE NUMBER
NMLS #: 14024
ADDRESS
3340 Merlin Drive Suite 200 Idaho Falls, ID 83404
Idaho First Mortgage
Specializes in home lending for purchase transactions
Conventional FHA VA USDA Rural Development loans 100% financing options with NO money down Grant and down payment assistance programs VA and USDA 100% financing High balance loans over $417,00010% down No mortgage insurance Refinance transactions No closing cost options available for FHA streamline VA Interest Rate Reduction Conventional Financing
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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!

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Application & Processing

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!

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Work With Us

We pride ourselves in providing personalized solutions that bring our clients closer to their dream properties and enhance their long-term wealth. Contact us today to find out how we can be of assistance to you!

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Contact Details

Shippen Stallings Real Estate

Phone

(208) 557-3361

Email

[email protected]

Address

3525 MERLIN DR IDAHO FALLS ID 83404

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