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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
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
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.
Jumbo
Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
Dave was extremely patient with our many questions and always took the time to thoroughly explain anything that wasn't clear to us.
Dave is always a pleasure to work with.
Dave Young and his team do a fantastic job of making the process as smooth as possible. I felt like they were on top of everything throughout the process and communicated with us in a quick and efficient manner. Would highly recommend Dave Young and his team!
Dave Young is incredible to work with. Fantastic person. Highly recommend
Great professional team to work with! The entire refinancing process was smooth and efficient from start to finish. They were quick to respond to questions, explained everything clearly, and made sure I felt informed and confident in each step. The turnaround time was faster than I expected, and there were no unnecessary hassles or surprises along the way. What stood out most was that I truly felt like the team had my best interests at heart—they worked hard to get me the best possible outcome and made the experience stress-free. I would definitely recommend them to anyone considering refinancing or a new mortgage!
Great professional team to work with! Quick turnaround time and wasn't a hassle to refinance. Felt like the team had my best interest at heart throughout the whole process!
NMLS ID #222107
I am authorized to do business in the states of Idaho, Oregon and Utah. OR ML-176; 
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