Jeff Grutta

As a 30 year mortgage industry veteran, I have considerable experience assisting buyers in every type of home purchase or refinance situation. Although originally from Southern California, I have lived in North Idaho since 1992. I look forward to the opportunity to assist you in financing your first home, ski condo, or lakeside construction project.
I pride myself on being available for my clients, 7 days a week - 365 days a year. Give me a call, and we'll get started making your Idaho dream come true!


Amie Pace

Flagstar Bank helps clients make effective financial decisions by showing them a new way of thinking about their mortgage – not just as a loan based on rates, ratios and guidelines, but as something with the potential to dramatically shift their financial situation now and into the future. During the mortgage process, our advisors show clients new ways of looking at affordability that take everything they care about into consideration.

Our Loan Advisors do extensive work upfront to determine the best financing structure in each particular client situation. Through years of experience and industry knowledge, our advisors have the ability to anticipate and avoid potential obstacles, giving clients confidence and peace of mind throughout the process.

Flagstar Bank originates, underwrites, and funds loans with its own capital, maintaining control of the entire loan process. Flagstar Bank offers a full-range of competitively-priced loan programs and is knowledgeable in lender guidelines so we can match the best loan program to each client’s unique situation and needs. Our underwriters are well versed in local markets and we fund loans in-house, maintaining complete control to ensure fast turn-times and a smooth loan process.

Contact Amie to learn how she can help you with your real estate financing needs.


Natalie Larson

At Caliber Home Loans, mortgages are our only business… and our products and services are proof of this dedication. Our specialized approach to home financing enables us to deliver exceptional service during every stage of the process. We understand that you have unique, personal needs and expectations, so we work together to deliver exceptional service and help you close your loan to your complete satisfaction. With a variety of home loan programs, highly competitive pricing, in-house loan processing and our unique, state-of-the-art technology, Caliber Home Loans' staff of professionals are ready to guide you through the home financing proce


Austyn Shuman

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity—based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Since joining Academy, I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in—house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible

I will be in control of your loan file from start to finish, and I will be up—to—date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.


John Bebee

I am a native of North Idaho and I enjoy everything this beautiful area has to offer. From our majestic mountains, to the most gorgeous lakes and streams, it is hard to find a location that can match the Pacific Northwest. My spouse and I have raised our family in this area and have seven children and 11 grandchildren. I am thankful to be a part of the mortgage and real estate community in Idaho and Washington for over 35 years. I have a great respect and love for how the industry helps people fit into the perfect loan and home. I would love to be part of your home buying experience or your refinance needs.
I specialize in all types of mortgage lending including VA, FHA, USDA, Conventional, Construction and land loans. I can provide the perfect loan for your unique situation. My experience allows me to understand the ins and outs of the mortgage lending industry while connecting you with the ideal loan for your circumstances.
Please contact me today to start working together. I am excited to partner with you on this great journey.