At Legacy Mortgage Group we have access to more home financing programs than an individual bank or mortgage lender. Because we have access to numerous wholesale lenders, we can help all kinds of borrowers with various credit score levels and offer more down-payment options and interest rate offers.

Unlike large banks, we view each borrower as a person instead of a number. This means we focus more time and effort on each individual loan transaction and are involved with every step of your loan. Here at Legacy, we are committed to helping our clients through the loan process from start to finish. We have several different loan originators to choose from and every one of them make Legacy’s clients their main focus. We provide better personalized service where communication is a top priority. We also have several years of experience, meaning we can better educate our clients on the loan process and all the different loan programs to choose from. Another benefit of a mortgage broker: All of Legacy’s loan originators are paid on a commission only basis and don’t get paid until your loan closes. This helps promote a higher level of customer service and a drive to close your loan as quickly as you would like. If we don’t make our clients happy, we don’t make money.

In today’s world, many of life’s important transactions are done over the phone or internet. While Legacy does offer online and telephone applications we also offer face-to-face meetings with our clients! We are from Idaho and we love meeting our local clients face to face. This helps establish a higher level of trust with our clients and it also helps create friendships that last a lifetime. We don’t want to be your Mortgage Broker just once; we want to be your Mortgage Broker for a lifetime!

Because most people have busy work and home schedules, it is often most convenient to shop for homes and home loans on the weekends and after hours. At Legacy Mortgage Group, we make ourselves accessible in the evenings and weekends or whenever a client needs to meet. We are always available for our clients.

Legacy Mortgage Group deals directly with the wholesale lenders, which means we offer wholesale interest rates. Typically, this provides a large savings for our clients. Also, Legacy Mortgage Group does not charge a credit report fee, underwriting fee, or an origination fee! The wholesale lender pays us directly, meaning we do not pass on any traditional loan fees to our clients. Simply said, we deliver the same loans at a lower cost! All of the savings are passed on to you!