Idaho’s
TRUSTED MORTGAGE LENDER
From prequalification to close of escrow, Supreme Lending Idaho is by your side to answer your questions and help you make informed choices about your home loan. We have programs that are ideal for first-time homebuyers, investors, Veterans, and anyone else who seeks to realize their dream of owning their own home.
meet the team
Jenny Detweiler
Producing Branch Manager
NMLS #4845
Phone: 208.859.0516
Joe Ackerland
NMLS #647797
Cell: 208.580.3811
Mariah Goyne
Loan Officer
NMLS #2318323
Phone: 509.881.4009
YOUR IDAHO MORTGAGE EXPERTS – Powered by Supreme Lending
With over 20 years of combined experience in the mortgage industry, we are Supreme Lending Idaho— Mariah, Joe and Jenny, as seasoned professionals, we pride ourselves on offering expert guidance and personalized service throughout the home financing process.
As part of Supreme Lending, we offer a wide range of mortgage solutions tailored to meet each client’s unique needs. Whether you’re buying your first home, refinancing, or exploring investment properties, we are here to help you navigate the journey with ease and confidence. Additionally, we specialize in condo financing, helping clients secure the best options for condominium purchases with expert knowledge and insight.
Our extensive experience, client-first approach, and expertise in Mortgage loans allow us to provide clear, honest advice, ensuring you make informed decisions at every step. We believe in building lasting relationships with our clients, and we’re committed to making your homeownership dreams a reality.
Loan Programs
Conventional Loans
It all starts with a strong foundation—for your home and for your finances. Our Conventional loans provide solid mortgage options for homebuyers and homeowners looking to refinance.
Conventional loans are popular as they typically offer favorable terms.
✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Down payments as low as 3%
✔ Competitive interest rates
✔ Minimum credit score of 620, in most cases
✔ Other requirements and conditions apply
Veteran Administration (VA) loans*.
Supreme Lending is proud to offer VA loans, serving those who have served and sacrificed so much for our nation to achieve their dreams of homeownership.
VA loans help millions of eligible military Veterans and active-duty personnel purchase or refinance their homes and provide 100% financing.
✔ Lower interest rates and closing costs
✔ No down payment requirement
✔ No private mortgage insurance required
✔ Fixed-rate and adjustable-rate options
✔ Available for first-time and repeat homebuyers
✔ Variety of eligible VA-approved property types
*Must be Veterans, Active Duty Personnel, Reservist, National Guard and some surviving spouses. VA funding fee will apply. VA funding fee can vary based on usage.
Jumbo Loans
Families come in all different sizes. So do housing needs. A Jumbo loan from Supreme Lending may help make your dream home a reality.
Jumbo loans may help homebuyers purchase “more house,” such as luxury properties or vacation homes, without tapping into savings.
✔ Designed for more expensive primary, second, or vacation homes
✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Specialized programs with lower than 20% down payments
Condo Loans
Looking for a condo lifestyle? Our wide range of mortgage programs may help you finance your next home or condominium.
✔ Dedicated team of Condo loan specialists
✔ Unique government loan program options
✔ Purchases or refinances
✔ Flexible and affordable options
One-Time Close
Building a custom home comes with countless decisions—but financing it should be simple. With a One-Time Close Construction Loan, you get one loan for both the build and the purchase, eliminating the need for multiple applications and closings. This means less paperwork, fewer fees, and a streamlined process. Plus, with extended construction periods and lower down payment options, your dream home may be closer than you think.
Key Features:
✔ Loan amounts up to $1.5 million
✔ 6-, 9-, and 12-month construction terms
✔ Streamlined construction draw process
✔ One set of closing costs and fees
✔ Interest-only payments during construction
FHA Loans
Traditional mortgages can’t fit everyone. Government-backed programs like FHA loans have unlocked the doors to millions of Amerimay dreams.
FHA loans are an excellent option for first-time homebuyers and those who may not be looking to make a large down payment.
✔ Lower credit score requirements
✔ Lower down payment of at least 3.5%, in most cases
✔ Fixed-rate and adjustable rate options
✔ Other requirements and conditions apply
USDA Loans
If you prefer country living, this government-backed mortgage program for properties in eligible rural areas may be the one for you.
The U.S. Department of Agriculture (USDA) is known for supporting farmers and ranchers. But it also helps people buy homes without putting any money down. Property must be in a USDA designated area.
✔ 100% financing available
✔ Lower interest rates
✔ Down payments as low as 0%
✔ Reduced closing costs
✔ Lower credit requirements
✔ Gift funds may be accepted
Refinance* Loans
Your home is great. But maybe your mortgage could use some work. Even if you aren’t planning a move, you might want to talk to us about making changes to your current loan.
Refinancing* is when you replace your current mortgage with a new one that may have more favorable terms. Discover how a refinance loan may help you unlock potential savings and reach your goals!
✔ Competitive rates
✔ Choice of repayment plans
✔ Fast application process
✔ Friendly dedicated service from Mortgage Professionals
*By refinancing an existing loan, total finance charges may be higher over the life of the loan.
Reverse Mortgage Loans*
*The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance.
The borrower must maintain the home according to FHA requirements. Failure to meet these requirements may trigger a loan default that may result in foreclosure
✔ No Monthly Mortgage Payments
✔ Access to Home Equity
✔ Increased Cash Flow
✔ Tax-Free Loan Proceeds
Manufactured homes
Program Highlights:
✔ Conventional, FHA, and VA options
✔ USDA available for new, never-occupied manufactured homes
✔ 1-unit only
✔ Must be titled as real property and constructed on or after June 15, 1976
✔ Down payment assistance available with State of New York Mortgage Agency
FAQs
Why should you get Pre-Qualified?
Getting pre-qualified for a mortgage is a great first step to kickstart your homebuying journey. Pre-qualification gives you a picture of how much you may afford based on your credit, income, and debt. It helps you determine your budget, understand estimated monthly payments, find the right loan program, strengthen your offer, and save time.
What is the difference between Conventional and FHA loans?
There are many differences between conventional and FHA loans. In this portion we will outline some of the major differences for you.
On FHA loans, the minimum down payment is 3.5%. On a conventional loan, the down payment may be as low as 3% depending on a consumers credit scores. Additionally, the money on a conventional loan must be “seasoned” (60 days in the bank) prior to purchasing the home or be proceeds from the sale of your existing home.
A FHA loan requires an upfront Mortgage Insurance payment (MIP); a Conventional loan does not. Both do require monthly Mortgage Insurance premiums based on the LTV.
The taxes will be the same on either type of loan. A common mistake is that people believe is their taxes will vary depending on the loan they choose. The title company that closes the loan submits the taxes directly to the lender. If you reside in an attorney state, your representation is the one who orders the tax certificate from the appraisal district. Taxes reported to the lender will be included in your monthly loan payment. There is no mark-up or service charge over and above the actual tax amount.
Homeowner’s insurance works the same as taxes. You pay the lender for your policy amount on a monthly basis. The lender will escrow this amount and send it to your insurance company at the end of the year when renewal is due.
Interest rate differences will vary depending on the lender you choose. Most importantly, ALWAYS ask for the lowest rate for the type of loan you are obtaining.
The principal and interest portion of the payment is calculated by configuring the loan amount (MIP rolled into the balance on FHA) and term into an amortization schedule to calculate the payment amount. Ask your Supreme Lending representative for additional information on conventional and FHA loans.
What are closing costs?
Closing costs are paid upfront for necessary expenses associated with purchasing a home. When
applying for a loan, you’ll receive a Loan Estimate outlining these settlement charges for added fees like loan origination, appraisal, credit report, title insurance, document preparation, prepaid interest, and other miscellaneous fees.
What goes into a monthly mortgage payment?
Which loan program is suitable for me?
There is no one-loan-fits-all. Supreme Lending offers a wide range of mortgage programs to choose from depending on what may be the most beneficial for your circumstances. Your Loan Officer may present different scenarios to see what aligns with your goals—whether a fixed-rate or adjustable-rate mortgage, or a Conventional loan or government-backed loan, such as FHA, VA, or USDA.
What documentation may be needed?
When you apply for a home loan, several documents are requested to confirm your ability to make monthly mortgage payments. Here are a few items you will likely will need to submit:
• Income history and employment verification from the past two years, such as tax returns, W-2s, and 1099s (if applicable)
• Asset statements for bank, retirement, and brokerage accounts
• Monthly debt payments, including any outstanding loans and credit cards
• Records of rent payments, divorce, bankruptcy, or foreclosure