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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.
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Testimonials
Dave Young is an amazing loan officer. Time and time again, he suprises me with his ability to navigate difficult loans, bringing them to completion with his strong guidance and years of experience under his belt. Thank you, Dave, for your steady hand, wisdom, and grace under fire. I'm so grateful to have you as my loan officer.
Dave is an incredible lender. Very educational, consistent and clear communication through a stressful time which helped make the process more enjoyable. We will recommend Dave to anyone looking to refinance or buy a home.
Dave and his team were incredible throughout the process. We are so grateful for his dilligence and communication and will recommend him to anyone looking to refinance or buy a home!
Dave is very knowledgeable very quick and has great communicatio!
Dave genuinely takes care of his clients and he is an excellent person to work with.
My team was the best; they helped me with everything from purchasing my home to resolving any issues that arose. I would say that our experience was fantastic and amazing, but I also faced many difficulties and setbacks. Nevertheless, my team persevered and did everything in their power to help me and my family purchase the home of my dreams; without their sacrifice and hard work, I could not have purchased my lovely home. Since day one, my team has given it their best, and I am grateful for everything they have done for my family and me.
NMLS ID #222107
I am authorized to do business in the states of Idaho, Oregon and Utah. OR ML-176; 
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