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Start with the question you actually have.

You do not need to be ready for a mortgage application. Mortgage, rates, housing, money, or the Treasure Valley. Ask away.

NO PRESSURE • NO HYPE • NO CRYSTAL BALL • JUST A STRAIGHT ANSWER
A BETTER FIRST CONVERSATION

No sales-funnel gymnastics.

Tell Jeff what you are trying to figure out. If it is a quick answer, he’ll keep it quick. If it needs real numbers and context, he’ll work through it with you.

01

Ask

Start with the real question.

02

Understand

Get the context and tradeoffs.

03

Decide

Choose without being pushed.

What can I help you understand?

Not sure where to start? Try: Do I need 20% down? How much home can I afford? Is VA or FHA better for me? What will closing costs be? Should I buy now or wait?

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POPULAR MORTGAGE QUESTIONS

Straight answers you can use right now.

Start with the question closest to yours. Each answer explains the decision without turning it into a sales pitch.

01

How do I choose a mortgage lender in Idaho or Oregon?

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Can I use a VA loan to buy in Idaho or Oregon?

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What should an Idaho first-time buyer know?

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What should an Oregon first-time buyer know?

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Is a mortgage broker better than a bank?

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How does credit score affect a mortgage?

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Should I get preapproved before looking?

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Why do rates change after a Fed announcement?

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Why does the 10-year Treasury affect rates?

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Does refinancing reset all my interest?

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How much down payment do I need to buy a home?

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What closing costs should I expect?

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Can seller credits pay my closing costs?

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Should I pay mortgage points?

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When should I lock my mortgage rate?

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Why is my rate different from an advertised rate?

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What is debt-to-income ratio?

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Can I qualify with self-employment income?

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Can gift funds be used for a down payment?

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What is private mortgage insurance?

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What is an appraisal gap?

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Can I buy before selling my current home?

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How long does mortgage preapproval last?

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Should I refinance my mortgage?

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Do I need perfect credit to buy a home?

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