Treasure Valley Mortgage Experts-Richardson Lending Team

08/07/2024

A client is more than a loan, it's a new friend and client for life. We truly believe in treating our clients like family. Once we close their loan we are always here to answer any future questions they may have, and advise them on their real estate future.

Thank you Teresa for a wonderful review🥰🥰

07/17/2024

An amazing new program!! The best bridge loan on the market, and we have it! BORROWER WANTS TO BUY BEFORE THEY SELL Do your clients want to buy a new property, but are still in the process of selling

01/11/2024

New Year, New Mortgage Goals!

January is all about fresh starts and setting intentions. So, let’s think about your future dream home. What would you like people to say when they walk through your door this year?

🤩 “Wow, this place is so cozy and welcoming!”

🌿 “I love how you’ve brought nature indoors!”

🖼️ “Your home is like a personal art gallery!”

🛋️ “It’s so you – every detail tells a story!”

Your home is more than just a space; it’s a reflection of your personality and dreams. Whether it’s cozy vibes, a nature-inspired haven, a personal art space, or a unique reflection of your journey – what do you envision?

Share your home aspirations in the comments. Let’s make those words a reality in 2024! And remember…As your mortgage brokers, we always here to assist you on this journey. 😉

12/06/2023

Attention HomeBuyers!! Be vigilant with your money!

12/06/2023

🏡 Ever heard of a 3-2-1 Mortgage Buydown? No? Well, buckle up because it’s about to get interesting!

This magical mortgage hack lets you start with a lower interest rate that gradually increases over 3 years.

✅ Year One: Enjoy a rate that’s 3% lower!
✅ Year Two: It’ll bump up but still be 2% lower!
✅ Year Three: Just 1% lower before it levels out.

With the anticipation of interest rates coming down later next year this is a great way to get a low interest rate and refinance with a great rate later. Learn more how this can make your homeownership dreams come true! ✨

12/04/2023

….You can own a home for the same amount it would take you to rent thanks to the amazing 100% financing programs available!

If you would like to find out how to get Pre Approved to buy a home with little or no money down, please contact me- 208-695-8862 .

I love helping buyers finance their forever home and I have access to some amazing 100% financing programs. I have over 25 years lending experience and I am your Local Expert. Let me help you get your “Preferred Buyer Certificate” today!

#100%financing
🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲🏠💲

12/04/2023

11/30/2023

Have you thought about your down payment?

Money isn’t everything, but everything needs money! Have you thought about your down payment?

An ideal down payment in the eyes of a lender is 20% of the home’s purchase price. By putting down 20%, you don’t have to pay private mortgage insurance (PMI). Putting 20% down can also make you a more attractive borrower. But depending on the price of the home, 20% could be out of reach. In fact, most first-time homebuyers put down less than 10%. FHA loans allow down payments as low as 3.5%. And some Veterans Affairs (VA) mortgages allow for no down payment.

We now offer a few 0 ( ZERO) money down payment programs with grant monies for first time buyers... DM us today to learn more.

11/11/2023

Ever felt like owning a home is a pipe dream because you don’t have a traditional 9-to-5? Trust us, it’s not only possible but also entirely doable. Let us break it down for you.

📌 First off, know your numbers. It’s all about income, expenses, and that all-important credit score. Get familiar!

📌 Next, paperwork is your new best friend. Tax returns, bank statements, and business financials—you’ll need ’em all if you are doing a full document loan or we have loans that will use bank statements only to qualify.

📌 Considering a mortgage broker? ( Hello 👋 ) Make sure they’ve got experience with self-employed folks. They’ll know the ropes!

📌 And last but not least, consult the pros. Accountants, real estate agents, and even lawyers can make this journey way smoother.

Curious to learn more? DMuse to discover how to make that dream home yours, no 9-to-5 needed! 🏠