Why Choose Carla Closes?
Experience, advocacy, and personalized solutions designed around
you.
Your Dedicated Home Loan Partner
We provide benefits all Home Loan Officers should -- but often don't. Innovative -
Responsive - Approachable.
Decades of Experience
Leverage Carla's 37 years in the lending industry, serving over 15,000 families. She's seen it all and knows how to navigate complex situations.
True Partnership & Advocacy
You need more than a salesperson. Carla acts as your dedicated partner and advocate, putting your best interests first.
The Loan Lab™ Approach
We don't offer cookie-cutter solutions. Our Loan Lab™ manufactures purpose-designed loans tailored specifically to your goals.
Comprehensive Product Suite
From standard loans to niche products like renovation or reverse mortgages, we have the tools to find the right fit.
Responsive Communication
We believe in clear, timely communication. You'll be kept informed throughout the entire process.
Innovative Solutions
Carla's background includes developing innovative strategies for banks and credit unions – expertise now applied directly for you.
Frequently Asked Questions
Answers to common questions about working with Carla Closes.
What is pre-approval and why do I need it?
Pre-approval determines how much you can likely borrow based on a review of your finances.
It strengthens your offer when buying a home and shows sellers you're a serious buyer.
How much down payment do I need?
Down payment requirements vary significantly by loan program. Some options like VA or USDA loans may require 0% down, while FHA loans often require 3.5%. Conventional loans can range from 3% to 20% or more. We'll explore the best options for your situation.
What are closing costs?
Closing costs are fees associated with finalizing your mortgage, typically including appraisal fees, title insurance, recording fees, and lender charges. They usually range from 2% to 5% of the loan amount.
How long does the mortgage process take?
The timeline can vary, but typically it takes 30-60 days from application to closing. Factors like loan type, appraisal timing, and responsiveness affect the speed. We work efficiently to keep things moving.
Do you only work in a specific area?
As a licensed broker, I can assist clients in the states where I hold a license. Please contact me to confirm if I can help in your specific state.
Experience the Carla Closes Difference
Let's start crafting your personalized mortgage solution 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
Powered by Summit Lending - NMLS #1850081
Summit Lending is an Equal Housing Lender.
Licensed in: [List States Here]
NMLS Consumer Access