Home Loans

Make your next move with confidence.

Your Home Loan Starts Here

Mortgage

Local guidance for one of life's biggest decisions

Find the financing option that fits your goals, budget, and timeline with support from a team that knows your community.

HELOC

Find the financing option that fits your goals, budget, and timeline with support from a team that knows your community

Access available funds when you need them and borrow only what you need.

2nd Mortgage Home Equity

Turn home equity into opportunity

Access a lump sum loan backed by your home's equity for planned projects, major expenses, or other big goals.

Lot & Land Loan

Secure the property today. Build the future tomorrow.

Finance the lot or acreage you need while creating a foundation for future plans.

Construction Loan

Financing built for the building process

Get the financing and local support to move through each stage of construction with confidence.

Meet Our Home Loan Officers

Braylan Bean

Braylan Bean

NMLS #2160785

Idaho Falls, ID

Dustin Lopez

Dustin Lopez

NMLS #542569

Star, ID

Ryan Jensen

Ryan Jensen

NMLS #2348151

Idaho Falls, ID

Sheri Spencer

Sheri Spencer

NMLS #1630739

Idaho Falls, ID

Frequently Asked Questions

How much home can I comfortably afford?

A comfortable payment looks different for everyone. Your income, existing expenses, down payment, property taxes, homeowners insurance, and other factors can all affect your budget. Our team can help you look at the full picture and explore options that fit your goals.

Do I need a down payment?

Down payment requirements depend on the loan and your individual situation. A Frontier home loan specialist can walk you through the available options and help you understand what to expect before you move forward.

What should I have ready when I apply?

You may be asked for information about your income, employment, assets, debts, and the property you plan to finance. Required documents vary, so we’ll help you understand exactly what is needed for your application.

What determines my interest rate and monthly payment?

Your rate and payment depend on several factors, including the loan type, amount, term, credit history, property, and current market conditions. Once we learn more about your plans, we can help you compare your available options clearly.

Can I talk with someone before I apply?

Absolutely. You do not have to figure everything out on your own. Connect with a Frontier home loan specialist to ask questions, talk through your plans, and get personalized guidance before beginning an application.