Serving Post Falls, ID
Loans We Offer in Post Falls, ID
CDL Mortgage Services Inc. is an independent mortgage broker serving Post Falls and all of Kootenai County. We shop dozens of wholesale lenders on every file, so you get the program and the pricing that actually fit your situation.
Every Program, One Broker
Loan programs available in Post Falls.
Every program below is available to buyers and homeowners in Post Falls, ID. Click any program for requirements, rates guidance, and local details.
Conventional Loans in Post Falls
As low as 3% down, competitive fixed & adjustable rates
Learn moreFHA Loans in Post Falls
3.5% down with flexible credit — great for first-time buyers
Learn moreVA Loans in Post Falls
$0 down and no PMI for veterans & active-duty military
Learn moreHELOC & Home Equity in Post Falls
Tap your equity without touching your low first-mortgage rate
Learn moreCash-Out Refinance in Post Falls
Turn home equity into cash — up to 80% of your home’s value
Learn moreReverse Mortgage in Post Falls
Turn home equity into retirement income — age 62+, or 55+ on a special program
Learn moreGet a free home loan quote in Post Falls, ID
A licensed loan officer will reach out with your options — no obligation, no credit pull to start.
Prefer to talk? (916) 624-0767
Local Expertise
Mortgage broker serving Post Falls, ID.
Whether you’re buying your first home in Post Falls, moving up, purchasing an investment property, or refinancing a loan you already have, CDL Mortgage Services Inc. handles the entire process in-house for clients across Kootenai County. Every Post Falls file is assigned to a licensed loan officer who shops your loan across dozens of wholesale lenders instead of pushing you into a single bank’s product.
That means Post Falls buyers get real options: Bank Statement Loans, Cash-Out Refinance, Chattel Loans, Commercial Loans, Construction Loans, and more, compared side by side on rate, monthly payment, and closing costs before you commit. We walk you through your Loan Estimate line by line and keep you, your agent, and escrow updated at every milestone.
Ready to see what you qualify for in Post Falls, ID? Call (916) 624-0767 or request a quote above. CDL Mortgage Services Inc., NMLS #132263, Equal Housing Lender.
Google Reviews
Trusted by Clients in Post Falls
Eli and his team at CDL mortgage have gone above and beyond for me time after time. I HIGHLY RECOMMEND THEM!
Eli is the man. Best rates and always available to speak. 10/10 would recommend
Left a 5-star rating.
Questions
Post Falls Mortgage FAQs
What types of home loans are available in Post Falls, Idaho?
CDL Mortgage Services Inc. offers Bank Statement Loans, Cash-Out Refinance, Chattel Loans, Commercial Loans, Construction Loans, Conventional Loans, DSCR Loans, FHA Loans, Fix and Flip / Rehab Loans, Ground Up Construction Loans, HELOC & Home Equity, ITIN Loans, Jumbo Loans, New Construction Loans, Non-QM Loans, Private Money Loans, Refinance, Reverse Mortgage, USDA Loans, VA Loans for buyers and homeowners in Post Falls, Idaho. Because we are an independent mortgage broker, we shop dozens of wholesale lenders on every file instead of being limited to one bank's products.
Do you have a loan officer who works in Post Falls?
Yes. Post Falls files are handled by a licensed loan officer who works throughout Kootenai County — you get a direct phone number and a real person, not a call center. Call (916) 624-0767 to be matched with the right officer.
How fast can I get pre-approved for a mortgage in Post Falls?
Most Post Falls borrowers receive a pre-approval the same day once we have income, asset, and credit documentation. Sellers and listing agents in Post Falls, Idaho take a fully underwritten pre-approval far more seriously than an online estimate.
How much do I need for a down payment in Post Falls?
It depends on the program: conventional loans start as low as 3% down, FHA at 3.5%, and VA and USDA offer $0 down for eligible Post Falls buyers. We compare the total monthly cost of each option, not just the down payment.
Can I refinance my Post Falls home with CDL Mortgage?
Yes — rate-and-term refinancing, cash-out refinancing, and HELOC / second mortgage options are all available in Post Falls, Idaho. We'll show you the break-even point before you commit so a refinance only happens when it actually saves you money.
Is CDL Mortgage Services Inc. licensed in Idaho?
Yes. CDL Mortgage Services Inc. is licensed to originate mortgages in Idaho under NMLS #132263, and is an Equal Housing Lender.