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Service, Caring, Experience - Your Mortgage Lender

Bringing 25+ Years of Caring, Experience and Passion to Every Mortgage Client We Serve

About me

With over 25 years of experience in the mortgage industry and as a proud Air Force veteran, I am passionate about helping people realize their dream of homeownership. Whether it's a first-time purchase, moving up, or downsizing, I bring positive energy to every client I serve. I am honored to have been recognized as a Circle of Honor winner and a President's Club member with Guild Mortgage. Representing Guild Mortgage in Idaho is a privilege I hold dear.

I have a wonderful husband who is also an Air Force veteran, two amazing grown children, three great stepchildren, and together we have nine grandchildren who all live here in the Treasure Valley. In my free time, I love to hike, read, and spend time with some of the best friends in the world.

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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.

Conventional

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%.
FHA

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.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
4.97
4.96
Bekki
Oct 29, 2024
Verified

Kim Demma is one of the hardest workers I know! If she is helping you with your home-ownership journey, rest assured you will be amazed by her dedication, you will admire her tireless work ethic and you will appreciate her honesty! We love you Kim!
Michel
Oct 24, 2024
Verified

Kim and her team were wonderful to work with. Their communication is exceptional, and that is so important during a transaction.
Cynthia
May 29, 2024
Verified

Such a pleasure working with Kim! Will recommend her if someone needs mortgage services. Thanks Kim
Hidden by R
Dec 05, 2023
Verified

Kim Demma is about the easiest person to work with when getting a loan. It went so well I almost forgot I applied for a loan! Kim and her team make the whole experience about as smooth as it can get. Kim has done at least 3 loans for me and I would recommend her in a second to anyone buying or refinancing a home. Keep up the great work Kim! You and Team Demma are AWESOME!
Michael
Dec 05, 2023
Verified

Kim is AWESOME! We have done at least 3 or 4 loans together and each one has gone so smoothly I almost forgot I was applying for a loan! She and her team make the entire process a breeze! I will continue to get loans thru Kim and Guild as long as she is in business!
Sue
Oct 02, 2023
Verified

A GREAT experience working with the Demma Team! Always accesible and transparent - what a joy to not have to guess and wonder what is going on or if it will have to happen - no surprises! Good news, bad news, multiple questionsyou always get honest communication, it's the absolute best! Thank you Kim & the entire team!

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NMLS ID #94736
I am authorized to do business in the state of Idaho.