Business Details
Your Trusted Mortgage Partner 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 we strive to make clients feel like valued partners throughout the home buying or refinancing process. As a mortgage broker, we work with wholesale lenders to offer diverse loan programs tailored to individual needs, ensuring flexibility and competitive rates. Our focus extends beyond immediate transactions, considering clients' long-term financial goals while maintaining transparency and ethical standards.With over two decades of experience in the mortgage industry, we combine expertise with a personalized touch to simplify complex processes and build lasting relationships. Our commitment to client satisfaction is reflected in our dedication to stress-free transactions, timely communication, and a deep understanding of both conventional and specialized loan products.
Services
Home Purchases
Refinancing
VA Loans
FHA Loans
Conventional Loans
Highlights and features
- We offer personalized mortgage education and full-disclosure service.
- Our wholesale lender network provides access to diverse loan programs.
- 20+ years of mortgage industry experience with a client-first approach.
- Specialized expertise in VA, FHA, USDA, and conventional loan programs.
- Proven track record of stress-free transactions and client satisfaction.
Associations and certifications
- NMLS ID# 153775
What people say
Fantastic service
Knowledgeable team
Made the process easy
Best rates available
Always available
Services
Home Purchases
We specialize in mortgage solutions for first-time buyers, repeat buyers, and investment properties. Our services include conventional loans starting at 3% down, VA loans with 0% down, and FHA options requiring 3.5% down. Our team guides clients through every step, from pre-approval to closing, ensuring competitive rates and tailored financing options that align with long-term financial goals.
Refinancing
Our refinancing services include rate-and-term adjustments, cash-out options, and streamline programs without appraisals. We help clients reduce monthly payments, access home equity, or switch loan types while maintaining transparency about closing costs and long-term benefits. Our wholesale lender partnerships ensure competitive rates for both conventional and government-backed refinance programs.
VA Loans
We offer VA home loans with 0% down payments and no private mortgage insurance requirements. Services include purchase loans, cash-out refinances, streamline refinances, and construction-specific programs. Our VA-approved brokers specialize in navigating military service requirements and maximizing benefits for active-duty personnel, veterans, and eligible surviving spouses.
FHA Loans
Our FHA loan program provides accessible financing with 3.5% down payments and flexible credit requirements. We assist first-time buyers and those with limited credit histories through purchase and refinance options, ensuring compliance with federal housing administration guidelines while maintaining competitive interest rates and personalized underwriting support.
Conventional Loans
We provide conventional mortgage solutions starting at 3% down, including jumbo loans and high-balance non-jumbo options. Our services cater to primary residences, second homes, and investment properties, with flexible terms and competitive rates for clients meeting standard credit requirements. We emphasize clear communication about loan-to-value ratios and private mortgage insurance requirements.
People
Barb Hansen
Broker / Owner
With over 20 years in finance, Barb relocated from England in 2004 and transitioned to mortgage brokering after personal homebuying experiences. She specializes in VA, FHA, and conventional loans, prioritizing client education and stress-free transactions. Her approach combines industry expertise with personalized service.
Questions
What loan programs do you offer?
We offer VA loans (0% down), FHA loans (3.5% down), conventional loans (3%+ down), USDA loans, jumbo loans, and streamline/refinance options.
How does the mortgage pre-approval process work?
Pre-approval requires basic financial information, credit authorization, and employment verification. We provide conditional approval letters within 24-48 hours without impacting credit scores.
Can I get a mortgage with less-than-perfect credit?
Yes. We specialize in working with clients to improve credit profiles and offer loan programs accommodating various credit situations while maintaining transparency about terms.
What are your closing cost estimates?
Closing costs typically range from 2-5% of loan amounts. We provide detailed estimates during pre-approval and help explore options for seller contributions or lender credits.
Do you offer online mortgage tools?
Yes. Our website includes principal-and-interest calculators, early payoff tools, and educational resources to help clients understand mortgage options before consultations.
How long does the mortgage process take?
Purchase loans typically close within 30-45 days. Refinances usually complete in 21-30 days, depending on documentation timeliness and appraisal scheduling requirements.
