Mortgage Loans

Having spent almost his entire life in the Treasure Valley and his entire career in lending, Jeff knows the intricacies of both the mortgage world and Southwest Idaho real estate. His experience helps his borrowers avoid many of the pitfalls found in mortgage, his large network of people help him to get the answers and solutions to whatever the roadblocks may be. Jeff enjoys travel, fishing, and spending time in the outdoors of Idaho. When he’s not in the office he is often along the banks of a river or sitting in an airplane seat.

Moving to Boise in 1987, Joe spent several years working as a Realtor before moving into mortgage lending ten years ago. Joe believes in the CapEd slogan of “Member Experience Matters”, he attends every closing he possibly can and works hard to make sure all expectations are met. In his spare time he coaches soccer and enjoys attending BSU football and basketball games with his best friend, his wife of 28 years.

Carole is motivated by educating people in the home buying and refinancing process while trying to make it a fun and valuable experience. She has been in the mortgage industry for 14 years and finds that building lasting relationships has led to her success and a number of personal and professional friendships. She has been married for over 21 years and has two teenage sons. They enjoy camping, hiking, and hunting together and supporting their boys in sports. “I’m thankful to work for a community minded Credit Union where our members are a priority,” says Carole. “There is no place I’d rather be than CapEd!”

Katherine has over 30 years of experience in the Mortgage Industry. She has helped thousands of homebuyers, many of whom are repeat customers, and has in-depth knowledge of FHA, Conventional, VA, Idaho Housing and Portfolio finance options. She takes pride in her reputation as an honest Loan Officer. In her free time, she enjoys gardening, reading, biking and running.

Debbie is absolutely tenacious when it comes to getting loans closed. She works hard for her borrowers and pushes her team to keep the process moving ahead to meet expectations and deadlines. Debbie’s experience allows her to help first time homebuyers along with borrowers knowledgeable in the process. She simply loves to help people buy or refinance their homes. Debbie’s biggest passion however, is her family. When she is away from the office she spends every moment possible with her daughters and their families. “Being a Grandma is the best thing in the world.”

Isabel has twenty-five years of experience in the mortgage field. Her depth of knowledge and tenacity helps borrowers close their loans quickly and with as little stress as possible. She has been a leader in multiple facets of the community for many years including the Canyon County Association of Realtors and the Hispanic Chamber of Commerce. Isabel enjoys spending time with her family and friends. Se habla Espanol!

Mike has lived in the Boise area most of his life. He took his first job in lending in 1987 and has devoted most of his professional career to helping people better their financial situations through purchasing homes, refinancing to a lower rate, or taking cash out to consolidate debt or refurbish their homes. He is an avid boater and fisherman, he enjoys camping, shooting, and exploring Idaho.

After several years as an appraiser, Cal began his career as a mortgage loan officer in 2008. Cal sincerely enjoys assisting CapEd members and finds gratification in helping them achieve the dream of homeownership or saving money on their current mortgage. He is the father of five children, a little league coach, and enjoys spending his limited spare time golfing, riding snowmobiles, fly fishing, and watching his sons play baseball.

A successful Mortgage Loan Originator since 2000, Steve has at one point or another ‘seen it all’. His dedication and drive come from the ten years he spent as a professional soccer player in a life before mortgage. His experience has helped hundreds and hundreds of families buy a home, build a home, or refinance to put them in a better financial position. When he’s not helping his borrowers, Steve still is the director of coaching, a soccer coach, and board member of a local soccer club. He enjoys travel and spending time with his family.