Your Path to the Perfect Mortgage: Tailored Loans, Unbeatable Rates

Your Path to the Perfect Mortgage: Tailored Loans, Unbeatable Rates

With over 15 years of experience, 300+ satisfied customers, and 150+ five-star reviews, Phil Gustin is a trusted mortgage broker known for delivering exceptional service. Licensed in 12+ states, he consistently earns top ratings by providing personalized mortgage solutions that meet your unique financial needs.

Cash-Out Refinance

Low Credit

Bank Statement

DSCR

5% Jumbo ARM

Investors

Bank Statement Loans

FHA (First Time Home Buyer)

SCHEDULE APPOINTMENT
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"Understandable and comfortable"

Refinancing as a single person was very intimidating; Phil made the process so understandable - and comfortable, we established not only a great business relationship but a lasting friendship. I will refer his services to anyone I meet who is in need of mortgage assistance.

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"Incredible to

work with"

Phil was incredible to work with on a recent mortgage loan. He managed the entire process with ease and made me feel totally at ease with the entire process. He is responsive, knows the market and his job, and was very pleasant to work with. I recommend Phil for any mortgage needs.

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"Phil is a

miracle worker"

Phil is a miracle worker. He was able to get us the mortgage we needed in record time and at a most favorable rate. He is very knowledgeable in his industry and was very communicative thru-out the entire process. Available anytime, I would highly recommend Phil to anyone.

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15+

Years Of Experience

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300+

Satisfied Homeowners

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20+

Licensed States

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150+

Five Star Online Reviews

ABOUT ME

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I have been happily married for over 10 years and am the proud father of two wonderful young boys. Originally from Southern California, my family and I recently moved to Boise, ID, seeking to provide a better life for our children and embrace all the adventures that Idaho's great outdoors have to offer.


As a dedicated mortgage advisor with over 15 years of experience, I take pride in helping families achieve their dream of homeownership. My passion extends beyond work as I enjoy spending quality time with my family, exploring the natural beauty of Idaho, and creating lasting memories with my sons.

Phil PROVIDES EXCELLENT SERVICE IN THESE STATES

Florida

Idaho

Kentucky

Wyoming

Washington

Tennessee

Utah

Nevada

Georgia

California

Arizona

South Carolina

Pennsylvania

Oregon

Ohio

North Carolina

New Jersey

Missouri

Michigan

Maryland

Colorado

Texas

Florida

Idaho

Kentucky

Wyoming

TAILORED SERVICES FOR YOU

Phil's Top Loan Programs

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Purchase

If you're in the market for a new home but have concerns about your credit score, Phil Gustin is here to help. Phil offer's purchase loan programs that cater to a wide range of credit profiles, including those with scores as low as 500. Phil loves working with realtors and first-time home buyers, making the home-buying process as smooth and stress-free as possible. We understand that everyone’s financial journey is different, and we believe that a low credit score shouldn't stand in the way of homeownership.

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Refinance

Phil Gustin offers refinancing options tailored for borrowers with low credit scores, including those as low as 500. Whether you need traditional refinancing, FHA, conventional, or bank statement loan refinancing, we’ve got you covered. Our solutions help you achieve your goals by lowering rates, adjusting loan terms, or tapping into your home’s equity through cash-out refinancing—all while accommodating your unique credit situation.

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HELOCS/HELOANS


Need to tap into the equity in your home? Phil Gustin offers second mortgages, including HELOCs and HELOANs. Whether you need a bank statement loan or a quick fix, we’ve got you covered with 5-day closings, no appraisals, and automated approvals based on bank statement analysis for all income types. Plus, our credit union HELOC has an added bonus—no draw at close, and rates as low as .5% under the prime rate. Take control of your home’s equity today, and let us help you find the solution.

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Self-Employed


If you’re self-employed or have non-traditional income sources, Phil Gustin specializes in Self-Employed Loans, including Bank Statement and P&L Loans, that allow you to get a mortgage without using traditional income verification. We know tax returns and pay stubs don’t always show the real financial picture for entrepreneurs, freelancers, and business owners. With our Bank Statement and P&L loan programs, we look at your income flow through your bank statements and profit & loss statements, so we can offer a more flexible and customized solution.

Phil Gustin

Loan Officer

NMLS ID #1629148

CA DRE #02036208

TAILORED SERVICES FOR YOU

Phil's Top Loan Programs

A black and white icon of a bank with a dollar sign on it.

Self-Employed


If you’re self-employed or have non-traditional income sources, Phil Gustin specializes in Self-Employed Loans, including Bank Statement and P&L Loans, that allow you to get a mortgage without using traditional income verification. We know tax returns and pay stubs don’t always show the real financial picture for entrepreneurs, freelancers, and business owners. With our Bank Statement and P&L loan programs, we look at your income flow through your bank statements and profit & loss statements, so we can offer a more flexible and customized solution.

A black shield with a white house on it.

Purchase


If you're in the market for a new home but have concerns about your credit score, Phil Gustin is here to help. Phil offer's purchase loan programs that cater to a wide range of credit profiles, including those with scores as low as 500. Phil loves working with realtors and first-time home buyers, making the home-buying process as smooth and stress-free as possible. We understand that everyone’s financial journey is different, and we believe that a low credit score shouldn't stand in the way of homeownership.

A stack of coins with a dollar sign on them.

HELOCS/HELOANS


Need to tap into the equity in your home? Phil Gustin offers second mortgages, including HELOCs and HELOANs. Whether you need a bank statement loan or a quick fix, we’ve got you covered with 5-day closings, no appraisals, and automated approvals based on bank statement analysis for all income types. Plus, our credit union HELOC has an added bonus—no draw at close, and rates as low as .5% under the prime rate. Take control of your home’s equity today, and let us help you find the solution.

A black and white icon of a dollar sign with two arrows around it.

Refinance


Phil Gustin offers refinancing options tailored for borrowers with low credit scores, including those as low as 500. Whether you need traditional refinancing, FHA, conventional, or bank statement loan refinancing, we’ve got you covered. Our solutions help you achieve your goals by lowering rates, adjusting loan terms, or tapping into your home’s equity through cash-out refinancing—all while accommodating your unique credit situation.

Phil Gustin

Loan Officer

NMLS ID #1629148

CA DRE #02036208

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YOUR MORTGAGE SHOULD NOT BE ONE-SIZE-FITS-ALL

Phil does it all. Schedule YOUR FREE CONSULTATION TODAY!

SCHEDULE APPOINTMENT

ADDITIONAL MORTGAGE LOAN OPTIONS

Phil Gustin Has Diverse Mortgage BROKER Solutions Suited to Your Needs

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Investor loans

Investor loans offer DSCR loans, allowing investors to qualify based on the income generated by the property, streamlining the process for rental property investments. Additionally, the Investor Reverse 1031 Loan provides a specialized solution for investors looking to seamlessly transition through a 1031 exchange, maximizing investment potential while simplifying the financing process.

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Bridge loans

Bridge loans enable you to buy your next home before selling your current one with cross-collateral loans, simplifying the transition between properties. Additionally, our Bank Statement Bridge Loans offer a flexible solution without the need for traditional income documentation, making it easier to secure financing during the home-buying process.

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NON-QM Loans

Non-QM loans offer flexible financing solutions for those with unique financial situations, including self-employed borrowers, asset depletion options, and businesses with just one year of income. Even if you've had recent late mortgage payments, this program provides a tailored path to homeownership without the strict requirements of traditional loans.

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5% Down Jumbo ARM

The 5% down Jumbo ARM Loan program offers competitive rates starting around 6.0%, making it an excellent option for high-value homebuyers in California, Idaho, and Washington. Whether you're looking to buy in Idaho's vibrant cities like Boise, or in California's premier locations such as Orange County, this credit union-backed loan provides a flexible and accessible solution.

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WA ONLY CREDIT UNION RATES

Exclusive low rates starting as low as 5.625% for jumbo loans with 20% down. Available for all loan amounts, this program is designed for Washington residents seeking competitive rate/term refinancing or purchase options. With no cash-out options, it's ideal for borrowers looking to secure their dream home while benefiting from some of the lowest rates available in the state.

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FHA Loans

FHA loans offer flexible financing options for homebuyers with as little as 3.5% down, making it an ideal choice for first-time buyers and those with lower credit scores. With more lenient credit requirements and competitive interest rates, FHA loans provide an accessible path to homeownership across a range of property types.

Phil's impeccable Online repuation

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Check out Phil's Latest Videos!

Phil's Blog!

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By Phil Gustin December 20, 2024
Eagle, ID is becoming a hot spot for real estate investors looking for growth, demand and investor friendly opportunities. Understanding various financing solutions is crucial for investors looking to maximize returns and defer taxes in Eagle’s competitive market. If you want to maximize returns and defer taxes Investor Reverse 1031 Loans are the solution. This allows you to stay competitive in Eagle’s fast paced market and have the flexibility to do a successful 1031 exchange.
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By Phil Gustin December 13, 2024
If you’re self employed and looking to buy a home in Eagle, ID you may have been told that getting a mortgage is tough. Self-employed individuals with bad credit may face additional challenges but still have options available. While traditional loans favor W-2 income borrowers, self employed have options that cater to their situation. With the right guidance and preparation, you can navigate the mortgage process and achieve homeownership in Eagle.
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By Phil Gustin December 6, 2024
Boise is the hot spot for real estate investing with growth, demand and investor friendly. For investors looking to maximize returns and defer taxes Investor Reverse 1031 Loans are the answer. This unique financing option helps investors stay competitive in the Boise market and have strategic flexibility when doing 1031 exchanges.
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By Phil Gustin November 27, 2024
Boise, ID is a hotbed for entrepreneurs, freelancers and small business owners that make up the backbone of the local economy. The Boise Foothills rise to the northeast, providing a scenic backdrop and adding to the appeal of living in Boise. The Boise River, which drains the city and is integral to the Treasure Valley, plays a significant role in the local economy and lifestyle. Whether you’re a startup, a growing business or a freelancer, self-employment brings freedom and flexibility. But when it comes to getting a mortgage, this freedom can be a challenge. If you’re self-employed and looking to buy or refinance a home in Boise, understanding your options will make the process easier and more successful.
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By Phil Gustin November 22, 2024
Boise, ID is a great market for real estate investors with a growing population, strong economy and demand for rentals. If you want to grow your portfolio without the traditional income verification hurdles, investment property loans, particularly DSCR (Debt Service Coverage Ratio) loans, are the answer. Let’s get into what DSCR loans are, why they’re perfect for Boise and how I, Phil Gustin, can help you use them to achieve your investment goals.
Phil gustin explains why a mortgage payment is easier on your wallet than you think
By Phil Gustin November 18, 2024
If you’re a renter, the thought of a monthly mortgage payment seems daunting. After all, rent is predictable and buying a home seems like a big financial jump. But the truth? Mortgage payments might be easier to manage than you think. Let’s get into it.
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By Phil Gustin November 15, 2024
To qualify for a bank statement mortgage loan, borrowers must meet certain eligibility criteria. These requirements ensure that borrowers have the financial stability and creditworthiness needed to manage their mortgage payments.
Phil gustin is looking for synergy between a realtor and loan officer
By Phil Gustin November 13, 2024
When buying or selling a home, collaboration is everything. The combination of a realtor and a loan officer can make all the difference in the home buying process. Let’s talk about why.
By Phil Gustin November 8, 2024
To qualify for a Jumbo ARM mortgage, lenders will assess your debt-to-income ratio (DTI). This ratio is calculated by dividing your monthly debt payments by your gross income. Typically, lenders look for a DTI of 43% or less, ensuring that you have a manageable level of debt relative to your income. However, some lenders may have more stringent requirements, especially for high-value loans. It’s crucial to check with your lender to understand their specific criteria. Maintaining a low DTI not only improves your chances of qualifying for a Jumbo ARM mortgage but also demonstrates financial stability and responsibility.
A man in a suit is writing the word investors with a marker
By Phil Gustin November 1, 2024
For DSCR or Investor Reverse 1031 loans in Boise, working with an experienced mortgage broker is key. Specialized lenders understand investor financing and can walk you through the intricacies of these loan products. As an experienced mortgage broker, I can help customize these loans to your investment strategy so you can take advantage of the Boise market.
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Real Feedback from my clients

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He [Phil] showed us options, and kept up with communications, which to me is so important when we are attaching a huge debt. I had questions I would send to Phil, and he got back to me with answers without delay. I felt comfortable going thru the mortgage process with Phil. I felt like I had answers from someone in the business that was on my side.

Wes H.

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Phil will get your loan done. He's a very nice guy and will work hard for you. He rolls with the punches and is a great advisor. We worked with Phil on a hard money loan, and he was able to secure funding. We had lots of challenges, but he was able to get the job done!

Paul V.

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Recently, Phil helped my daughter and I secure a reasonable loan on a house that we purchased. The process was smooth and quick. Phil kept good communication with us thru out the process. Several months later we did a re-fi to secure a better rate that Phil handled very expeditiously. We would definitely use Phil and his company again. Phil is the best!

Jeffrey R.

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Phil was recommended to us by our financial advisor. He was the best! He was friendly, upfront, explained everything so I could easily understand, and got our refi loan secured in a short amount of time. We were on a time schedule, and he worked long hours to help my husband and me.

D. B.

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Phil is attentive and talks through every mortgage option, so you can make an informed decision. No pressure, just good advice. He has completed three transactions for us, and we referred our daughter to him to as well. She is a now a happy homeowner too! He is enjoyable to work with and has a great team. Thanks, Phil!

Roselee V.

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Phil and his team were very knowledgeable and very helpful answering any questions we had. The process was very smooth, and we felt very comfortable. We’re really glad we had Phil and team helping us out and would definitely recommend them to others in the future.

Andrew H.

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This was the third time I have used Phil for my home mortgage needs. Phil oversaw the process from start to finish, provided excellent advice in finding the right loan for me and made himself available whenever I had any questions or concerns. I would highly recommend Phil and his team to anyone looking for a new home loan.

John M.

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Phil and his team were everything a homebuyer looks for. Patient and communicative - they were able to make what could be a stressful experience into a quick and smooth process. 10/10 would recommend to my friends & family.

Jordan F.

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