Home Mortgage Lenders Sandpoint ID

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Sandpoint and information on home mortgage rates, home loans, and mortgage calculators.

First Horizon Home Loan Corporation
(208) 265-8981
212 N First Ave
Sandpoint, ID
 
Wells Fargo Home Mortgage
(208) 263-1295
320 North 4th Avenue
SANDPOINT, ID
Services
Mortgage Brokers

Harris Dean Insurance
(208) 265-9690
101 N 4th Ave Ste 203
Sandpoint, ID
 
Northwest Mortgage
(208) 265-9526
218 North 1st Ave
SANDPOINT, ID
Services
Mortgage Brokers

Wells Fargo - Sandpoint
(208) 255-3880
320 N 4Th Ave
Sandpoint, ID
Type
Branch
Office Hours
Mon-Thu 08:30 AM-05:30 PM
Fri 08:30 AM-06:00 PM
Sat 09:00 AM-03:00 PM
Sun Closed

Community Mortgage
(208) 255-2299
218 Cedar
SANDPOINT, ID
Services
Mortgage Brokers

Bank Of America
(208) 263-7591
405 N 2nd Ave
SANDPOINT, ID
Services
Mortgage Brokers

Choice Funding
(208) 255-5626
121 North 1st Avenue
SANDPOINT, ID
Services
Mortgage Brokers

Pend Oreille Mortgage Inc
(208) 265-9970
1009 Highway 2
SANDPOINT, ID
Services
Mortgage Brokers

Mountain West Bank
(208) 255-2660
111 North 1st Avenue
SANDPOINT, ID
Services
Mortgage Brokers

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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Idaho Mortgage Licensing Body

Website: finance.idaho.gov

Phone: (208) 332-8000

State: Idaho

Licensed By: Idaho Dept. of Finance

Additional Info: Idaho Dept. of Finance - (208)332-8000 http://finance.idaho.gov/ (ID is licensed through the NMLS)