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
Bob Waterous Investments
(208) 263-1708
316 North 2nd Avenue
Mortgage Brokers

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

Northwest Mortgage
(208) 265-9526
218 North 1st Ave
Mortgage Brokers

Towne And Country Mortgage
(208) 263-1997
120 East Lake Street Suite 209
Sandpoint, ID
Wells Fargo - Sandpoint
(208) 255-3880
320 N 4Th Ave
Sandpoint, ID
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

RFA Lending
(208) 263-7109
1309 Ponderosa Dr
Mortgage Brokers

US Bank - Sandpoint Office
(208) 263-6891
201 Main St
Sandpoint, ID
Drive Up Hours
Mon 09:00 am to 05:30 pm
Tue 09:00 am to 05:30 pm
Wed 09:00 am to 05:30 pm
Thur 09:00 am to 05:30 pm
Fri 09:00 am to 06:00 pm
Sat 09:00 am to 01:00 pm

Harris Dean Insurance
(208) 265-9690
101 N 4th Ave Ste 203
Sandpoint, ID
Loan Star Mortgage Company
(208) 265-5070
201 E Superior St
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)