Melinda McCaslin is a leading Idaho lending expert. She has extensive knowledge of market conditions and keen analytical, strategic, and organizational skills developed as a consultant to Fortune 500 companies. Melinda and her team specialize in customized loan programs for medical professionals, attorneys, and self-employed borrowers and she loves working with first time home buyers. She has enjoyed helping clients achieve their homeownership dreams for nearly two decades. She understands the significance of buying a home, and her goal is to deliver superior customer service and very competitive rates, with a simple efficient process. Her focus on customer service and her lending expertise are a few of the reasons she is rated in the Top 1% of Mortgage Originators in the nation for many years running. A Boise High School alum, Melinda earned an MBA from Harvard Business School and BS degrees in Finance and Marketing from the University of Utah. She is currently a Trustee and Treasurer for BAM (Boise Art Museum), and she has served on the Board of Directors for the Children’s Home Society of Idaho and Idaho Women’s Charitable Foundation. Melinda spends much of her free time with her two daughters, Hanna and Lily. Her favorite activities include downhill skiing, water-skiing and biking. When she is not outdoors, she enjoys music, reading, and discovering new local artists and galleries.
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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, Inc. and are subject to change without notice. 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).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
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.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. 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.