Charles Friedman
Branch Manager/ SVP of Mortgage Lending

I have been originating mortgages in the Wood River Valley, home to world famous Sun Valley Resort, and nationally since 2012 and have been consistently recognized for my high level production and customer loyalty. With over $400 million in funded volume and nearly 800 funded units in my career, I have developed a strong understanding of what borrowers and realtors want, and how best to deliver good customer service, competitive rates and an efficient process. I strive to grow my business thanks to word-of-mouth referrals while maintaining a boutique-style, solution driven approach. My goal is to simplify the home financing process for borrowers and realtors by making the home loan process easy to navigate. My team and I seek to educate borrowers so they fully understand their options throughout the transaction. By making the mortgage process clear and collaborative, I can close loans more quickly. I graduated from Colgate University in 1999 and moved to Ketchum, ID in 2001. I spent my first years working at the Cellar Pub before transitioning to the financial services industry with First Bank of Idaho, DL Evans Bank, Zions Bank and then Wells Fargo. In 2020, I joined Guaranteed Rate and have been impressed with their commitment to making the home financing process as seamless as possible by utilizing advanced technology, helpful resources and a transparent process. My wife, Gretel, and I have lived in the Warm Springs area since 2013 and we have a 4 year old son and a daughter who’s almost 2. I enjoy skiing, mountain biking, pickup hockey and exploring in the mountains. When not at work or play, I’m involved in the community, volunteering as the Executive Director for the Ketchum Community Development Corporation (KCDC). In 2012, I served on the Ketchum City Council.

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.