First-Time Home Buyer--You Are Special
As a first-time home buyer, you are part of a special group and there are some great features available for you including Down Payment Assistance, $500-down home loans, Loan with co-singers, and loans for those with little or no credit history. The loan can even cover the closing costs.
We love helping you get into your first home, so let's talk.
(253) 244-2555 days/evenings/Saturdays.
Ross.Farr@HomeReadyLending.com
Visit my reviews and see what others are saying: https://www.zillow.com/lender-profile/RossDFarr/
Experienced Home Owner--Not Your First Rodeo
You want the best terms. We know it. We have access to the most efficient financing sources and our lending model is lean. You will see that in the terms we can offer you.
No application needed, no credit check necessary to obtain a quote.
(253) 244-2555 days/evenings/Saturdays.
Ross.Farr@HomeReadyLending.com
Visit my reviews and see what others are saying: https://www.zillow.com/lender-profile/RossDFarr/
New Construction--Experience Matters
This is a custom category of home loans and requires a knowledgeable loan officer demonstrating deep experience with Line Item Budgets, Builder Contracts, liability and course of construction insurance, plans & specs, draw processes, and more. This loan is not for rookie lenders.
I have nearly a decade of experience with construction lending. You want me in your corner for this. References provided.
(253) 244-2555 days/evenings/Saturdays.
Ross.Farr@HomeReadyLending.com
Refinance for a Better Payment--Rates Are Finally Falling
The Fed is actively lowering rates and indicated that more rate cuts are likely coming, perhaps bringing mortgage rates down.
If so, a change to your home loan might be in your best interests, but loan transactions incur fees and the math needs to be done to see if a refinance really "pencils" for you.
With no obligation, no application, and no credit check, let us run the numbers for you to see if lowering your rate will make you money.
(253) 244-2555 days/evenings/Saturdays.
Ross.Farr@HomeReadyLending.com
Talk About Loan Pre-Approvals
There are two kinds of pre-approvals:
Informal: this is often referred to as a “pre-qualification” and results from our doing the math together to preview what you can afford to buy. No loan application is made, no credit checked. You to provide an accurate list of debts and I review income documents such as W2s, paystubs, and tax returns.
No official “Pre-Approval” letter is generated because producing this requires that credit be checked to verify debts and scores.
Formal: All the above but in addition, you complete and submit a Loan Application and your credit is checked.
This results in a formal pre-approval letter to share with Realtors and potential sellers. The Pre-Approval letter can be custom-written to match the specific offer(s) you want to make.
What About Us
Ross Farr, Broker of Record
Ross Farr, Broker of Record
Ross Farr, Broker of Record
My story is simple: I provide home buyer financing and construction lending in Idaho from my
offices in Idaho Falls and Rexburg, ID.
Residential purchase and lending under complexity are my specialties for almost 25 years.
Lending is becoming more and more like rocket science; it's a financial exam for the borrower, the process driven by both regulatory imposition and by investor demands for nth-degree vetting and documentation. Without an expert in your corner, sporting a strong work ethic, thorough knowledge of the industry, and prompt response times, the process can suffer death by a thousand cuts.
A mortgage originator is 1/3 salesman, 1/3 Underwriter & Processor, and the balance is a mixture of arbitrator, lion tamer, and indefatigable hustler.
My reviews:
Dwayne Coburn, Partner
Ross Farr, Broker of Record
Ross Farr, Broker of Record
As a retired Navy veteran, entrepreneur, consultant, and small business owner, I bring a unique set of skills and experiences to the world of real estate. With 30+ years of managing customer-centric organizations, I am fueled by a genuine passion for exceptional customer service.
I firmly believe that my role extends beyond simply representing my clients; it is my responsibility to empower them with knowledge and guide them through the intricacies of the buying and selling process. By providing market insights and equipping them with current, relevant data, I ensure they make the best possible decisions for their real estate ventures.
Over the past 12 years, I have proudly served as a licensed Real Estate Agent in Eastern Idaho, immersing myself in the intricacies of this thriving market. My deep knowledge and understanding of the region make me an invaluable resource to both buyers and sellers.
Ethos
Ross Farr, Broker of Record
Ethos
Our founders are both very experienced in Real Estate and Finance, and have the mileage to back up the claims that you are in the best hands here at HomeReady Lending.
We love what we do and spend much time and effort to understand the Real Estate and Mortgage markets and pass along to you our hard-won expertise in the form of both excellent loan terms and outstanding service.
As our reviews show, you can expect to become a raving fan, too.
