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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
Lee A
Jan 19, 2025
Verified

Kim is rge best have done a couple loans with her and she has always been top notch. She is on top if everything. Love having her as our loan officer on things.
Alicia
Jan 17, 2025
Verified

Kim is the absolute best no if ands or butts! Not only does she do her job well and efficiently, but she goes above and beyond. If I’m ever in need of another home, she’s the only person that I would use for the lending process!
kennith
Jan 10, 2025
Verified

I've used Kim to close on two of my properties. She's friendly, professional, and quite knowledgeable. I don't recommend people often, but when i do, it means something. ... Yes, I recommend Kim Demma for mortgage loans. K.C
Vicky
Jan 06, 2025
Middleton, ID
Verified

Kim and her team are always fantastic to work with!! We have worked together several times and our clients are always satisfied with her service and communication. She goes above and beyond and appreciate everything she does for our clients. Thank you Kiim!!
Tiana G
Jan 06, 2025
Verified

I was happy working with Kim and her professional team as a first time home buyer because she was able to get me the lowest rate on the market and she was extremely professional and helpful every step of the way. Thank you for helping me get into my beautiful home.
DANIEL
Jan 06, 2025
Nampa, ID
Verified

Working with Kim Demma and her team was an amazing experiance. I very much look forward to our next transaction. She was communicative, kind, and professional every step of the way. I never had to guess what was going to happen next. Thank you so much for all your hard work.

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