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Your Dream Home Starts with the Right Mortgage
Friendly guidance and real support - every step of the way

About me

I began my career in the mortgage industry in 2009 and have proudly called Spokane/Cheney home since 2008. Born in Oregon and raised in Montana, I'm a Northwest girl through and through-with a deep appreciation for the people and communities that make this region special.

With years of experience and strong local roots, I bring both professional expertise and regional insight to every client I serve. Whether you're buying your first home or expanding your investment portfolio, I'm here to make the loan process smooth, clear, and stress-free.

Known for my friendly, down-to-earth approach, I take the time to understand your goals and guide you through each step with honest advice and personalized support. My in-depth knowledge of loan programs, budgeting options, and market trends means you'll always have a trusted expert in your corner.

I believe in transparent communication, exceptional service, and building lasting relationships that extend long after the closing day.

When I'm not working with clients, I love exploring, attending local events, and spending time with my family. Being part of the Spokane and surrounding communities means a lot to me, and I stay active and informed so I can offer advice that's not just smart, but rooted in what matters most to our local families and neighborhoods.

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.
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FHA

If you're looking to buy on a tight budget, these loans are a great option. It's easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They're also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
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Down payment assistance

If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Home equity insights

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Testimonials

The rating and reviews below represent my top reviews.
4.98 out of 5.0 stars
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5.0
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5.0
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4.9
Chris P.
Nov 2, 2025
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Brenda is top notch! She communicates very well, stays on top of the important items to make things go seamlessly, and ...See more
Jenna S.
July 2, 2025
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Working with Brenda Holt was an incredible experience from beginning to end! As a first-time homebuyer, I was nervous an...See more
Valerie H.
June 2, 2025
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We reached out to Brenda on the recommendation of our realtor, and she did not disappoint. Brenda spent personal time wi...See more
Aaronchadley
June 3, 2025
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Brenda and the whole team were great to work with. Easy to talk to and answered any and all questions i had! Would defin...See more
Brent D.
June 2, 2025
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Brenda was so Great. She listened to us and knew what we really wanted and needed. She walked us through everything and ...See more
Terry W.
June 2, 2025
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Brenda has many talents. Product knowledge to be sure you get the product best suited for your situation . Empathy for ...See more

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Awards

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Causes & Memberships

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NMLS ID #330330

I am authorized to do business in the states of Idaho and Washington.

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