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Shahnee Holmes

Shahnee Holmes

Loan Officer

1411 North College Rd., Suite 300, Twin Falls, ID 83301
Own what matters
Own what matters

About Me

Whether buying your first home or fifteenth, I’m ready to help in your home buying process. I enjoy being a partner with my clients, talking about your goals and the “why” behind the purchase or refinance of your home.  I feel that it’s important to be responsive to my borrowers and maintain open communication, that way you always know where things are as we move through your home buying process.   

Not sure that you can buy your new home now? That’s OK! Give me a call or apply online and we can discuss the steps to get you there! 

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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.



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%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


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.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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NMLS ID #974353
I am authorized to do business in the states of Idaho and Pennsylvania.