Javier "Javi" Redondo - Loan Officer: NMLS #2735380

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Pocatello, ID
Javier "Javi" Redondo - Loan Officer: NMLS #2735380

Hi, I’m Javier “Javi” Redondo, a licensed loan officer in Idaho and Wyoming.

I help people achieve their real estate goals and build lasting legacies, drawing on my full-circle experience in construction, home ownership, finance, and mortgages.

09/25/2026

Congrats to these two families (both first time homebuyers) on their new homes. Been a great last week seeing things come together and dreams come true. Starting to realize I have a smiling in pictures problem - trust me I am very happy. 😅😊🥳

09/24/2026

📈 Rates have jumped recently — which makes it even more important to know that “traditional” mortgages aren’t your only option.

Non-QM products have come a LONG way. In many cases, rates can be much more comparable to traditional agency loans than people expect — and almost all options don’t have monthly mortgage insurance.

🏡 Last Friday, I helped a first-time homebuyer close on his home after he had been told “no” elsewhere.

He was self-employed, so instead of qualifying him based on his tax returns (which we did look at), we used a Bank Statement Loan. We were able to use deposits into his bank accounts to calculate qualifying income.

This can be a game changer for business owners.

Many self-employed borrowers take legitimate business deductions and write-offs, which can make the income shown on their tax returns (Schedule C's exc) much lower than the actual cash flow of the business. That can make qualifying for a conventional, FHA, USDA, or VA loan difficult — even when the borrower has a strong business and the ability to make the payment.

That’s where alternative products like bank statement loans can help.

And they aren't necessarily limited to business bank accounts. Depending on the program and situation, personal bank statements may be an option too.

We have bank statement products available in-house, along with several broker partners that give us different options for different scenarios.

If you’re self-employed, have an unusual income situation, don’t fit neatly into the “normal” mortgage box, or you’ve already been told no somewhere else — reach out before assuming homeownership isn’t possible.

There may be another way. 🏡🔑

09/23/2026

🏡 Have you heard of the Section 184 Loan Program?

The Section 184 Indian Home Loan Guarantee Program is a HUD-backed mortgage program specifically designed to expand homeownership opportunities for eligible American Indian and Alaska Native borrowers.

There are some pretty powerful benefits:

• As little as 2.25% down on loans over $50,000
• No annual loan guarantee fee (mortgage insurance) — HUD eliminated it for loans closed on or after July 1, 2023
• Manual underwriting rather than relying solely on automated underwriting
• Interest rates are based on market rates rather than being determined by the applicant's credit score
• Can be used to buy, build, rehabilitate, or refinance a home
• Available for eligible 1–4 unit primary residences
• Can be used in eligible areas on or off Native lands

Who may qualify?
Individual borrowers generally must be enrolled members of a federally recognized tribe, Alaska Village, or Regional Corporation, and the property must be located in an eligible Section 184 area.

This is one of those mortgage programs that many eligible homebuyers simply don't know exists.

If you think you or someone you know may qualify for Section 184 financing, reach out to me. I’d be happy to help determine eligibility and walk through what the numbers could look like.

09/22/2026

🏡 “You need 20% down to buy a house.”

This is one of the biggest misconceptions in real estate. You do NOT need 20% down, and the mortgage insurance rules are different depending on the loan:

🔵 Conventional — Private Mortgage Insurance (PMI)
As little as 3% down for qualifying first-time buyers or 5% for many other buyers. PMI can eventually be removed once certain equity requirements are met.

🟢 FHA — Mortgage Insurance Premium (MIP)
As little as 3.5% down. Put 10%+ down and annual MIP generally comes off after 11 years. Put less than 10% down and it generally stays for the life of the loan.

🟤 USDA — Annual Guarantee Fee
0% down for eligible borrowers/properties. The annual guarantee fee remains for the life of the loan.

🇺🇸 VA — VA Funding Fee
Typically 0% down for eligible borrowers with no monthly mortgage insurance. Instead, there is generally a one-time VA Funding Fee, and some borrowers are exempt.

🏠 Idaho Housing also offers down-payment-assistance programs that can work with all of these loan types. Depending on eligibility, minimum borrower contribution can be as little as $500—and in some cases $0 with eligible Hero programs.

Putting 20% down can absolutely make sense. The misconception is thinking you HAVE to put 20% down to buy and thinking for EVERY loan agency whatever form of mortgage insurance gets removed if you do.

There are a lot of “rules” about buying a home that aren't actually rules. Sometimes society has repeated them for years, and sometimes they came from an uncle who bought a house 30 years ago.

Don’t let outdated or completely false information keep you from exploring your options. 🏡

09/21/2026

Did you know a USDA loan can offer up to 100% financing — meaning $0 down payment for eligible buyers and properties?

USDA loans are designed to make homeownership more accessible in eligible rural and suburban areas, and they can be a great option for buyers who qualify.

A few highlights:

🏡 0% down payment
💰 Competitive interest rates
📉 Lower monthly mortgage insurance than FHA
📍 Available in many eligible areas outside major cities
💵 Household income limits apply

And “rural” doesn’t always mean what you think. You might be surprised by how many homes and communities can qualify!

09/14/2026

🚨 Buying a house? Please don’t do these things before closing.

Getting under contract is exciting — but you’re not quite across the finish line yet.

Until you have the keys, try to avoid:

❌ Financing a new vehicle
❌ Opening a new credit card
❌ Running up credit card balances
❌ Changing jobs without talking to your lender
❌ Moving large amounts of money around without a paper trail
❌ Making large cash deposits
❌ Co-signing on someone else’s loan
❌ Spending the money you’ve set aside for closing

Your loan is approved based on a specific snapshot of your credit, income, assets, and debts.

A major change to any of those can mean we have to recalculate or reverify things, and sometimes it can affect the approval altogether.

My rule for clients is simple:

If you’re under contract and you’re about to make a financial decision, text or call me first.😁👍🏽

09/11/2026

Today, we remember.

We remember the lives lost on September 11, 2001. We honor the first responders who ran toward danger, the service members who answered the call in the years that followed, and the families whose lives were forever changed.

We also remember the unity, courage, and strength Americans showed in the face of tragedy.

09/10/2026

🏠 The lowest rate doesn’t always mean the best mortgage or even the lowest payment in some cases.

One of the biggest parts of my job is figuring out how to structure a loan around the actual person buying the house.

Sometimes a slightly higher rate with lower closing costs makes more sense.

Sometimes FHA beats conventional. Sometimes conventional wins.

Sometimes putting more money down makes sense. Other times, keeping that money in savings is the smarter move.

Seller concessions, mortgage insurance, discount points, down payment assistance, cash to close, and how long you plan to own the home can all change the answer.

Two people buying the exact same house might be better off with two completely different loan structures.

A mortgage shouldn’t just get you into the house. It should make sense for your finances, lifestyle, goals, ownership timeline, and in most cases it isn't just about the rate.

If you’re looking at buying, I’m always happy to run through different options and show you the numbers.

09/08/2026

What does a Loan Officer do? 🤔

I would best describe us as the conductor of a mortgage real estate transaction, guiding clients from the initial application to closing. Behind every loan is a team of experts: realtors who guide borrowers through the initial process and negotiate deals, transaction coordinators who ensure a smooth process, loan officer assistants who provide administrative support, insurance agents who write up homeowners insurance policies, processors who help review and prepare the loan package, underwriters who assess the creditworthiness of borrowers in line with whatever agency guidelines, appraisers who determine the value of the property and condition according to agency guidelines, title and escrow teams who facilitate the transfer of ownership, funding and wiring teams who manage the flow of funds, and closers who finalize the deal. A loan officer coordinates with all of these different professionals to achieve one goal - a happy closing. Also, we dive in to help in almost all of these aspects when needed.

We're the face of the transaction, the ones who communicate with clients and guide them through the process, but it takes an entire orchestra to close a loan. We all work tirelessly behind the scenes to bring it all together. So the next time you think about a loan, remember that it's not just one person who makes it happen - it's a team of dedicated professionals working together in harmony to get you the keys to your new home. That is exactly why having a great team and relationships really matter in this business. 🎼🏡🔑

09/02/2026

Haha this guy! Had to hop on this trend. 😂💚

Address

440 E Clark Street Suite A
Pocatello, ID
83202

Website

https://javierredondo.vandyk-pos.com/

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