Business Details
Your Trusted Mortgage Broker in Mountain Home, ID
At Mountain Home Mortgage, we believe in educating and preparing borrowers for the commitment of a mortgage. Our approach prioritizes full disclosure, where questions are always welcome, and clients are treated as valued friends. As a mortgage broker, we work with wholesale lenders to offer diverse loan programs tailored to individual needs. Our focus extends beyond immediate requirements, considering clients' long-term financial goals.With over two decades of experience in the mortgage industry, we combine expertise with a personalized touch to simplify the home-buying process. Our commitment to transparency, combined with a deep understanding of loan programs, ensures clients receive honest, customized solutions. We pride ourselves on building lasting relationships through exceptional service, making the mortgage journey stress-free and even enjoyable.
Services
Home Purchases
Refinancing
VA Loans
USDA Loans
FHA Loans
Conventional Loans
Jumbo Loans
Construction Loans
Renovation Loans
Investment Property Loans
Highlights and features
- We offer wholesale rates from multiple lenders for competitive options
- 20+ years of mortgage industry experience with personalized service
- Specialize in VA, USDA, and FHA loan programs for unique needs
- Full disclosure policy with transparent, jargon-free communication
- Proven track record of stress-free refinancing and purchase process
Associations and certifications
- NMLS ID# 153775
What people say
Fantastic service
Made the process easy
Best rates possible
Answered all questions
Stress-free experience
Services
Home Purchases
We specialize in mortgage solutions for purchasing primary residences, second homes, and investment properties. Our services include VA, USDA, FHA, and conventional loans with down payment options ranging from 0% to 3.5%. We guide clients through every step, from pre-approval to closing, ensuring competitive rates and personalized terms. Our expertise in local market conditions helps buyers make informed decisions while navigating the purchase process efficiently.
Refinancing
Our refinancing services help homeowners reduce monthly payments, shorten loan terms, or access equity through cash-out options. We offer conventional, FHA, VA, and streamline refinance programs with competitive rates. We analyze each client's financial situation to determine optimal refinancing strategies. Our process includes rate locks, document preparation, and coordination with title companies to ensure timely closings. Clients benefit from our wholesale lender network and industry expertise.
VA Loans
We provide specialized VA loan programs for eligible veterans and active-duty personnel, including 0% down purchases and cash-out refinances. Our services include VA renovation and construction loans tailored to military families' needs. We handle all documentation requirements, including Certificate of Eligibility verification. Our team's familiarity with VA guidelines ensures smooth processing. Clients receive personalized guidance to maximize VA loan benefits while minimizing out-of-pocket costs.
USDA Loans
Our USDA loan program offers 0% down payment options for qualifying buyers in eligible rural areas. We assist with purchase and streamline refinance transactions, handling all income verification and property eligibility requirements. Our team explains program-specific features like guarantee fees and annual mortgage insurance. We provide detailed comparisons between USDA and other loan programs to help clients choose the best option for their financial situation.
FHA Loans
We offer FHA-insured loans requiring 3.5% down payments for first-time and repeat buyers. Our services include FHA streamline refinances and renovation loans for property improvements. We explain mortgage insurance requirements and help clients understand loan limits. Our team assists with credit qualification challenges and provides pre-application counseling. We streamline the FHA loan process through established relationships with approved lenders.
People
Barb Hansen
Broker / Owner
With over 20 years in the mortgage industry, Barb Hansen specializes in VA, USDA, and conventional loans. She relocated to Idaho in 2004 after working in the UK motorcycle industry. Her client-first approach focuses on education and transparency. Barb holds NMLS ID# 57531 and has helped hundreds of clients achieve homeownership. She prioritizes personalized service and community involvement.
Questions
What loan programs do you offer?
We offer VA, USDA, FHA, conventional, jumbo, construction, and renovation loans with options for purchases and refinances.
How does the mortgage process work?
The process includes pre-approval, home selection, loan application, underwriting, and closing. We guide clients through each step with personalized support.
Can I get a mortgage with bad credit?
We work with clients to improve credit profiles and offer loan programs accommodating various credit situations while ensuring responsible lending.
What are your rates?
Rates vary by loan program and market conditions. We provide personalized rate quotes based on your financial profile and goals.
How long does closing take?
Closing typically takes 30-45 days after application, depending on loan type, documentation timeliness, and underwriting requirements.
Do you offer online services?
We provide electronic disclosures and document signing options while maintaining personalized phone and email support throughout the process.
