Spencer, ID
CDL Mortgage Services Inc. is an independent mortgage broker serving Spencer and all of Clark County. We shop dozens of wholesale lenders on every file — so you get the program and the pricing that actually fit your situation.
Licensed in 6 states — NMLS #132263
Dozens of wholesale lenders shopped per file
Pre-approvals often same day
Local loan officers, direct phone access
Every program below is available to buyers and homeowners in Spencer, ID. Click any program for requirements, rates guidance, and local details.
Self-employed? Qualify with bank statements — no tax returns
Learn moreTurn home equity into cash — up to 80% of your home’s value
Learn moreFinancing for manufactured and mobile homes
Learn moreFinancing for commercial and mixed-use real estate
Learn moreBuild your dream home from the ground up
Learn moreAs low as 3% down, competitive fixed & adjustable rates
Learn moreQualify on rental income — no tax returns or W-2s needed
Learn more3.5% down with flexible credit — great for first-time buyers
Learn moreFast rehab financing built on ARV, LTC, and speed to close
Learn moreLand plus vertical build financing for investors and builders
Learn moreTap your equity without touching your low first-mortgage rate
Learn moreHome financing with an ITIN — no Social Security number required
Learn moreCompetitive financing above conforming loan limits
Learn moreOne-time close new build financing, land included
Learn moreFlexible financing when you don’t fit the conventional box
Learn moreFast, asset-based bridge and fix-and-flip financing
Learn moreLower your rate, shorten your term, or take cash out
Learn moreTurn home equity into retirement income — age 62+, or 55+ on a special program
Learn more$0 down home loans in eligible rural and suburban areas
Learn more$0 down and no PMI for veterans & active-duty military
Learn moreWhether you’re buying your first home in Spencer, 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 Clark County. Every Spencer 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 Spencer 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 Spencer, ID? Call (916) 624-0767 or start your pre-approval online — most are returned the same day. CDL Mortgage Services Inc., NMLS #132263, Equal Housing Lender.
Questions
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 Spencer, 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.
Yes. Spencer files are handled by a licensed loan officer who works throughout Clark 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.
Most Spencer borrowers receive a pre-approval the same day once we have income, asset, and credit documentation. Sellers and listing agents in Spencer, Idaho take a fully underwritten pre-approval far more seriously than an online estimate.
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 Spencer buyers. We compare the total monthly cost of each option, not just the down payment.
Yes — rate-and-term refinancing, cash-out refinancing, and HELOC / second mortgage options are all available in Spencer, Idaho. We'll show you the break-even point before you commit so a refinance only happens when it actually saves you money.
Yes. CDL Mortgage Services Inc. is licensed to originate mortgages in Idaho under NMLS #132263, and is an Equal Housing Lender.
Get a real pre-approval from a licensed loan officer — usually same day. No pressure, no obligation.