At Towne & Country Mortgage, we always have your best interest in mind.

You can spend weeks - even months - looking for that perfect home.

Fortunately, with Towne and Country Mortgage, you can find the perfect lender in only minutes.

As our name suggests, at Towne and Country Mortgage, we specialize in home mortgages. That's all we do.

Unlike a bank, we don't offer checking accounts, savings accounts, IRAs, CDs, credit cards, or auto loans. When you work with Towne and Country Mortgage, you are working with experts who are focused on one thing and one thing only: mortgages.

We offer a wide array of loan products that can save you time. Instead of calling five different banks, call us instead. Our rates are extremely competitive; you may be surprised at how much we can save you!

Your Home Town Mortgage Lender

When you work with Towne and Country Mortgage, you can expect personalized home-town service. Whether you come into our office or call us from another state, our goal is to guide you through financial transactions as quickly, accurately, and seamlessly as possible. (Click here to read more about the loan process. )

The bottom line is that our customers become our neighbors. Sandpoint is a small town and odds are we'll see our customers in the grocery store, at the beach, or on the golf course. So we want to treat them right.

Help with "Special" Transactions

We get a great deal of satisfaction in helping people get the home of their dreams, no matter what their financial picture. So we offer a wide array of loan products, including ones offering creative financing such as $0 down purchase programs, stated income, stated assets, no income, and no asset disclosure loans, VA, Neighborhood Advantage, high loan to value programs, Jumbo, and Super Jumbo programs.

Of course, sometimes we need to be resourceful not because of someone's financial picture, but because of the house itself. Here in North Idaho, we have a tremendous array of unique properties.

Many houses here are off-the-grid, owner-built, or use non-traditional building methods, so you can't just go find a comparable property in the same subdivision to do an appraisal. We work with lenders, appraisers, and other local partners who know and understand these unique challenges.