Business Details
28 Years
experience
Your Boise Mortgage Experts Since 1998
Since 1998, OneTrust Home Loans has been dedicated to transforming the home financing experience through education and personalized service. Our team of seasoned mortgage professionals understands that purchasing or refinancing a home represents one of life's most significant financial decisions. We approach each transaction with a commitment to transparency, empowering clients with comprehensive knowledge about their mortgage options, including interest rates, mortgage insurance, closing costs, and long-term wealth-building strategies.Our unique process combines expert loan analysis with customized written plans to accelerate mortgage payoff and optimize financial futures. With a proven track record of 26-day average closing times and a client-centric 'Special Ops' team, we ensure every transaction maintains the highest standards of integrity and efficiency. Our local expertise in Idaho's Treasure Valley market positions us to deliver exceptional service that consistently exceeds industry benchmarks.
Services
VA Home Loans
FHA Loans
Conventional Loans
USDA Loans
Jumbo Loans
Refinance Options
First Time Buyer Programs
Investment Property Loans
Details
- Year established: 1998
Highlights and features
- We've specialized in Idaho mortgage solutions since 1998
- Our written mortgage payoff plans save clients thousands over loan terms
- 26-day average closing time outperforms industry standards
- Specialized expertise in VA, FHA, and USDA loan programs
- Local decision-making authority ensures faster approvals
Associations and certifications
- NMLS #2143
What people say
Integrity, Honesty, Customer Service
Lower interest rate
Professional, efficient, customer-friendly
Quick VA refinance
Weekly updates
Services
VA Home Loans
Specialized mortgage solutions for eligible veterans offering 100% financing. Our experts navigate VA loan intricacies including funding fee waivers, assumable terms, and maximum loan amounts up to $417,000. We ensure clients understand total cost implications beyond interest rates, including mandatory mortgage insurance requirements.
FHA Loans
Low-down payment mortgage options insured by the Federal Housing Administration. Our team explains upfront and monthly mortgage insurance premiums, gift fund utilization, and location-specific loan limits. We help clients evaluate FHA loan tradeoffs compared to conventional financing alternatives.
Conventional Loans
Flexible financing options conforming to Fannie Mae and Freddie Mac guidelines. We guide clients through down payment requirements (as low as 3%), mortgage insurance removal strategies at 20% equity, and loan limit considerations for both standard and jumbo loan scenarios.
USDA Loans
100% financing programs for qualifying rural properties. Our specialists explain income limits, eligibility zones, and the unique benefits of USDA-guaranteed loans. We help clients determine if their property location and financial profile meet USDA program requirements.
Refinance Options
Comprehensive refinancing solutions including cash-out options and rate reduction strategies. Our team analyzes break-even points, closing cost recovery, and long-term savings potential. We provide written payoff acceleration plans to help clients build equity faster after refinancing.
People
Dean Tucker
Mortgage Lender
With 25+ years of Idaho mortgage expertise, Dean specializes in complex loan scenarios and financial optimization. He pioneered Benchmark's written mortgage payoff system that helps clients save thousands through strategic principal reduction. His educational approach empowers clients to make informed decisions beyond just interest rates.
Shanna Tucker
Mortgage Lender
Co-founder Shanna Tucker brings deep FHA/VA loan expertise and a commitment to client education. She leads the 'Special Ops' team ensuring seamless transactions from application to closing. Her focus on personalized service has earned multiple client testimonials praising her responsiveness and mortgage market knowledge.
Questions
What mortgage programs do you offer?
We offer VA, FHA, USDA, conventional, jumbo, and specialized loan programs for first-time buyers, investors, and self-employed individuals.
How quickly can you close a mortgage?
Our average closing time is 26 days, with expedited options available for qualified borrowers needing faster timelines.
Do you offer first-time homebuyer programs?
Yes, we provide specialized guidance including down payment assistance options and mortgage insurance reduction strategies for first-time buyers.
Can you help with investment property financing?
We offer tailored solutions for investment properties including DSCR loans and portfolio financing options with flexible qualification criteria.
What sets you apart from other lenders?
Our written mortgage payoff plans, 25+ years of local expertise, and client-first approach with personalized financial education differentiate us from competitors.
Do you service the entire Idaho region?
We primarily serve the Treasure Valley including Boise, Eagle, Meridian, and Nampa, with lending capabilities across Idaho's qualifying rural areas.
