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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
4.98
4.96
KEVIN
Feb 10, 2025
Boise, ID
Verified

we had an extended closing date and Kim still made it happen without any issues.
Blake
Feb 10, 2025
Middleton, ID
Verified

Just really overall great experience and everything was done perfectly and on time with no hiccups!
Meagan
Feb 10, 2025
Boise, ID
Verified

Everything was super easy from start to finish!
Sophia
Feb 10, 2025
Boise, ID
Verified

All my questions were answered quickly and professionally. I was doing everything remotely, and It was so much easier than I expected it to be.
DONNA
Feb 03, 2025
Twin Falls, ID
Verified

Kim was very quick to respond and made sure we closed on time. Excellent service.
Judith
Feb 03, 2025
Nampa, ID
Verified

time I had a question or needed help, Kim demma was there to help me through it. She's very pleasant and took the stress off me.

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Awards

Causes & Memberships

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