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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.

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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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

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.98 out of 5.0 stars
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5.0
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5.0
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5.0
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5.0
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5.0
Kathy
Nov 1, 2025
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Everything was completely explained to us so we were confident we were making the right decision. It was li...See more
KC
Oct 4, 2025
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Kim and her competent team worked to get the best rates for us and showed outstanding professionalism throughout entire...See more
Gwen F.
Oct 6, 2025
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Thank you so much Kim Demma for pouring into, and educating your referral partners and the industry! I appreciate all t...See more
Raul G.
Oct 6, 2025
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Kim's the best. Don't settle for 2nd best.
DyAnn S.
Oct 6, 2025
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Kim was extremely helpful and so knowledgeable that the process was quick and very professional. She is the best!
Kent J.
Oct 6, 2025
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Kim is very knowledgeable, available, and helpful! She was very patient with this first time home buyer.

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Awards

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Causes & Memberships

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NMLS ID #94736

I am authorized to do business in the states of Arizona, Idaho, Oregon and Washington. AZ BK#0018883; AZ BKBR# BK-BR-20; AZ LO Lic.# LO2009835; OR ML-176;

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