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Service, Caring, Experience - Your Mortgage Lender
Bringing 25+ years of care, experience, and passion to every client

About me

Kim Demma - Your Trusted Meridian, ID Mortgage Guide

Kim Demma is more than a loan officer - she's a guide, mentor, and advocate for empowerment. As a proud Air Force veteran and seasoned mortgage professional with over 25 years of experience, Kim is dedicated to helping individuals and families across Meridian, Boise, and the Treasure Valley achieve their dream of homeownership with clarity and confidence.

Her journey into lending began by chance but quickly became a calling rooted in service, transparency, and heart. Whether it's a first-time home purchase, a refinance, or a retirement move, Kim brings her signature blend of knowledge, compassion, and positive energy to every client she serves. Recognized as a Guild Mortgage Circle of Honor winner and President's Club member, she's proud to represent Guild Mortgage Idaho, where integrity and community come first.

Grounded in her own experiences as a veteran and lifelong learner, Kim has a special passion for guiding clients who may feel uncertain or overlooked in their homeownership journey. She empowers every borrower to make confident, informed decisions that build lasting financial strength and peace of mind.

When she's not helping clients feel at home, you'll find Kim hiking Idaho's stunning mountain trails, reading a great book, or relaxing with a glass of wine by the bonfire. She and her husband - also an Air Force veteran - love spending time with their two grown children, three stepchildren, and nine wonderful grandchildren, all proud to call the Treasure Valley home.

If you're looking for a Meridian, ID mortgage lender who leads with heart, service, and expertise, Kim Demma is ready to help you build your future - one confident decision at a time.

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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Home equity insights

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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
Zillow logo
5.0
Facebook logo
5.0
Experience logo
4.9
Google logo
5.0
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5.0
Aaron O.
Jan 28, 2026
Google logo
Kim has helped us buy multiple homes and refinance numerous times. She’s the best around and will go above and beyond to...See more
Luis V.
Jan 26, 2026
Google logo
Kim and her team worked quick and efficiently! We were blessed to have them help us out. They answered all od our questi...See more
Veronica
Jan 24, 2026
Caldwell, ID
Experience logo
I would highly recommend Kim and her team. They are very informative and the process of the loan was super quick with no...See more
Luis
Jan 23, 2026
Caldwell, ID
Experience logo
Kim and her team worked quick and efficiently! We were blessed to have them help us out. They answered all od our questi...See more
Karleigh
Jan 20, 2026
Meridian, ID
Experience logo
Kim made the process of buying a house so easy and pleasant. I will recommend her to everyone!
Tami S.
Jan 19, 2026
Google logo
Kim has an enthusiasm for her clients that is contagious. She works non stop along side her team to ensure everything g...See more

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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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