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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
5.0
4.99
4.96
Donna
Apr 28, 2025
Meridian, ID
Verified

Kim was so personable, excellent at sending me feminders and updates, communication was impeccable, sweet , encouraging, honest and fast at getting all tasks done. Wonderful experience for sure! Thank you so much. To the whole team!!!!
CYNTHIA
Apr 28, 2025
Meridian, ID
Verified

Always great service and excellent to work with! I highly recommend Kim and her team!!
Shawn M
Apr 18, 2025
Verified

Kim Demma and her team are world class. I would refer them to anyone.
Clinton
Apr 14, 2025
Caldwell, ID
Verified

Kim and the team were word class and made this process as stress free as possible. Great teamwork!
Nina R
Apr 12, 2025
Verified

Working with Kim has been an absolute dream! I’ve always heard horror stories about the home-buying process, but I have to say—this was hands down the least stressful experience, and that’s all thanks to the incredible team we had. Kim, thank you for being so supportive, answering all our questions, and most importantly, helping us land the best deal and setting us up for success. We love you so much and are beyond grateful!
Angela
Mar 24, 2025
McCall, ID
Verified

Kim and her team were great. they communicated with us well and made the process easy.

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Awards

Causes & Memberships

NMLS ID #94736
I am authorized to do business in the states of Idaho and Oregon. OR ML-176;