Loan Products & Programs
Finding the right mortgage solution tailored to your unique needs.
I've helped over 15,000 families!
Comprehensive Mortgage Solutions
If there's a way to help you finance your next home or your current one... I've done it
all. Explore some of our popular options:
Fixed & ARMs
We view our client relationships as true partnerships, working collaboratively towards your homeownership goals.
Home Equity Line of Credit (HELOC)
We relentlessly fight for your best interests, acting as your dedicated advocate throughout the
financing process.
FHA & VA Loans
We operate with the highest ethical standards, ensuring transparency and trust in every
interaction.
Reverse Mortgages Done Right
For homeowners 62+, explore options to convert home equity into tax-free income without selling your home, guided ethically and responsibly.
Renovation Purchases & Refis
Finance both the purchase price and the cost of improvements for your dream home, or refinance to fund renovations on your current property.
Bridge Loans
Bridge the gap between selling your current home and buying a new one with short-term financing solutions.
Recasting & Buy-downs
Explore strategies like recasting to lower your payment without refinancing, or buy-downs to reduce your interest rate temporarily or long-term.
Investment Financing
Specialized loan options for purchasing or refinancing investment properties to help build your real estate portfolio.
Loan Lab™ Custom Solutions
Don't see exactly what you need? Contact us! We manufacture purpose-designed loans in our Loan Lab™.
Our Streamlined Process
How we partner with you from application to closing.
Consultation & Pre-Approval
We discuss your goals, financial situation, and help you understand your buying power with a solid pre-approval.
Loan Application & Processing
We guide you through the application, gather necessary documents, and process your loan efficiently.
financing process.
Underwriting & Approval
Our team works diligently with underwriters to secure your final loan approval, keeping you informed.
interaction.
Closing & Beyond
We coordinate a smooth closing and remain your resource for future home financing needs.
expectations.
Ready to Take the Next Step?
Whether you're ready to apply or just have questions, reach out today!
Your dedicated partner and advocate in home financing. Experience you can trust.
The Financial Key to Your Home
Contact Information
Carla Durheim
Founder | Home Loan Broker
410 E Sherman Ave, Suite 207
Coeur d’Alene, ID 83814
Carla Durheim NMLS #61502 | Chem Financial
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Summit Lending is an Equal Housing Lender.
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