Mortgage Broker · Idaho
Your Idaho mortgage BFF.
“From Boise to Coeur d'Alene.”
Buying or refinancing in Idaho? I'm a licensed Idaho broker — and right next door from my Tri-Cities base. Independent, honest, and shopping multiple lenders to land you a competitive rate.
Your Idaho Broker
A neighbor who knows Idaho home financing
Idaho is one of the fastest-growing states in the country, and I love helping buyers plant roots here — whether you're purchasing in the booming Boise metro, settling in North Idaho, or refinancing a home you already own. Everything can happen securely online, by phone, or in person.
As an independent broker backed by Barrett Financial Group, I'm not tied to one lender's rate sheet. I compare programs to find the fit that's right for your Idaho purchase.
Idaho buyers get the same honest, hands-on guidance — from your first question to the closing table.
— Stef Simmons, Mortgage Broker · NMLS #1607894
Book a Call →Communities I Serve
Home loans across Idaho
From the Treasure Valley to the Panhandle — statewide, and relocation-friendly.
🏔️ Boise Metro
Boise, Meridian, Nampa, Caldwell, and Eagle — the fast-growing Treasure Valley.
🌲 Coeur d'Alene & North Idaho
Coeur d'Alene, Post Falls, Hayden, and Sandpoint in the Idaho Panhandle.
🥔 Statewide Idaho
Idaho Falls, Twin Falls, Pocatello, and the Lewiston/Moscow area near the Washington border.
Also lending in the Tri-Cities, WA, Oregon & Texas. See Kennewick & the Tri-Cities, Portland & Oregon, Texas, Arizona, or Wyoming.
What I Can Help With
Loan options for Idaho buyers
Conventional
Flexible options for buyers with solid credit and steady income.
FHA
Lower down payments and flexible credit — great for first-time buyers.
VA
Zero-down financing and strong benefits for veterans and service members.
USDA
No-down-payment loans for eligible rural and suburban Idaho homes.
Jumbo
Financing for higher-value homes above conventional limits.
Refinance
Lower your rate, change your term, or tap into your home's equity.
Also offering bank statement, ITIN, and DSCR (investor) loans, plus other non-QM programs. See all loan options →
Trusted by homebuyers across Idaho, Washington, Oregon & Texas.
Read Google Reviews →Good to Know
Idaho mortgage FAQs
Do you do home loans in Idaho?
Yes. I'm licensed in Idaho and help buyers and homeowners across the state — from the Boise metro to North Idaho — with purchases and refinances.
Which Idaho cities do you serve?
The Boise metro (Boise, Meridian, Nampa, Caldwell, Eagle), Coeur d'Alene and North Idaho, plus Idaho Falls, Twin Falls, and communities statewide.
Can you help if I'm relocating to Idaho?
Definitely. Relocations are a big part of what I do, and I'm licensed in Idaho, Washington, Oregon, Arizona, Texas, and Wyoming — so I can help whether you're moving to Idaho or from it.
Last reviewed: August 2026. This page is general education, not financial advice or a commitment to lend.
Let's Talk
Ready to get started in Idaho?
Call or text (503) 481-7866, email simmons@barrettfinancial.com, or reach out below.