Steph Hay - Idaho Falls Mortgage Loan Officer - NMLS: 522569

09/08/2026

🏡 Here's the Truth...

I want your business.

Not because you're another file or another transaction, but because I genuinely love helping people achieve their dreams of homeownership.

Every family has a story. Every home purchase represents a new chapter. Being part of that journey is something I never take lightly.

As a Senior Mortgage Loan Officer with over 25 years of lending experience, I've seen a lot of market changes, loan programs, and challenges. What hasn't changed is my commitment to putting people first.

If you're looking for someone who will answer your questions, communicate openly, advocate for you, and make the loan process as simple as possible, I'd love the opportunity to help.

Thank you for your trust, your referrals, and your support. It means more than you know.

❤️ Your goals become my goals.

Let's connect.

📞 208-251-7098
📧 [email protected]
Apply Here www.iccu.com/steph
Equal Opportunity Lender

About I love helping members purchase their dream homes. My background and knowledge allows me to find the best home […]

08/27/2026

🏡 Thinking about buying a home but not sure where to start?

You don't have to have all the answers before reaching out. In fact, that's what I'm here for!

Whether you're wondering: ✅ How much home you can afford ✅ How much money you need for a down payment ✅ If your credit score is high enough ✅ What loan programs are available ✅ Whether now is the right time to buy

Let's talk.

With over 25 years in banking and mortgage lending, I love helping people understand their options and create a path to homeownership that fits their goals.

No pressure. No obligation. Just honest answers and guidance you can trust.

📞 Call or text me anytime at 208-251-7098, or send me a message. I'd love to help you take the next step toward homeownership.


Equal housing lender

08/20/2026

Successful home loan closings are about so much more than signing papers. They're the moment dreams become reality, keys change hands, and a new chapter begins.

As a seasoned Mortgage Loan Officer with more than 25 years of lending experience, I understand that buying, building, or investing in a home can feel overwhelming. That's why my goal is to make the process as smooth, stress-free, and transparent as possible. No hidden surprises. No last-minute scrambling. Just clear communication, honest guidance, and a trusted partner by your side every step of the way.

Whether you're purchasing your first home, building your dream home with a construction loan, buying land for the future, financing a luxury property with a jumbo loan, or exploring one of the many other loan options available, I'm here to help you find the right solution for your unique goals.

There's nothing more rewarding than celebrating a successful closing and seeing the excitement on my clients' faces when they receive their keys. Thank you to all of my clients, real estate partners, builders, and title professionals who help make these milestones possible!

🏡 Thinking about buying, building, or investing? Let's connect and create a plan that gets you to the closing table with confidence.


Equal housing lender

08/10/2026

🏡 Looking for the right home loan expert? Experience matters.

Whether you're a first-time homebuyer, moving up to a larger home and need jumbo financing, or exploring FHA, VA, USDA, or conventional loan options, I have the knowledge and experience to help guide you every step of the way.

With over 25 years in lending, I've helped thousands of borrowers navigate the home financing process with confidence. Every client deserves personalized service, clear communication, and a lender who knows how to find solutions.

When you're ready to buy, build, refinance, or simply explore your options, let's connect. I'd love the opportunity to help make your homeownership goals a reality. Equal opportunity lender

📞 208-251-7098
📧 [email protected]

07/23/2026

🏡 Buying a home is one of the biggest decisions you'll make—and having the right mortgage professional by your side matters.
With over 25 years of lending experience, I'm passionate about helping individuals and families achieve their homeownership goals. Whether you're a first-time homebuyer or looking to build your dream home, I can help with:
✅ Conventional Loans
✅ VA Loans
✅ FHA Loans
✅ USDA/Rural Development Loans
✅ Construction Loans
✅ Land Loans
When you're ready, I'm here to provide trusted guidance and personalized solutions every step of the way.
📞 Let's talk about your homeownership goals!

Equal Housing Lender

Send a message to learn more

07/15/2026

🏡✨ Looking to build, buy land, or purchase your dream home in Idaho? I'm here to help!
With over 25 years in banking and mortgage lending, I'm proud to serve Idaho families by offering a wide variety of loan programs designed to fit your unique needs, including:
✅ Construction Loans
✅ Land Loans
✅ FHA Loans
✅ VA Loans
✅ USDA/Rural Development Loans
✅ Conventional Financing
✅ Jumbo Loans
✅ First-Time Homebuyer Programs
✅ Down Payment Assistance Programs
✅ Investment Property Financing
Whether you're building from the ground up, purchasing acreage, or buying your first home, I'll guide you through the process every step of the way.
As a top lender in Idaho, my passion is helping people achieve their homeownership goals while making the lending process as smooth and stress-free as possible.
📞 Let's talk about your goals and find the loan program that's right for you. I'd be honored to work for you and help turn your dreams into reality!

🏠 "When you're ready to make your move, I'm ready to help." 💙
Equal Housing Lender.

Send a message to learn more

07/09/2026

As a mortgage professional, my job is to guide you through the process, answer your questions, and help make your homeownership dreams a reality.
📩 If you're thinking about buying, refinancing, or just want to know where you stand, I'd love to help. Be sure to make me your loan officer!

Equal Housing Lender

07/02/2026

Whether you're purchasing your first home, building your dream home with a construction loan, buying land, or financing a jumbo loan, I have options and experience to help you navigate the process with confidence.
Every homebuyer's situation is unique, and I love helping people find the right financing solution to meet their goals.
✅ First-Time Home Loans
✅ Land Loans
✅ Construction Loans
✅ Jumbo Loans
✅ Conventional, FHA, VA & More
If you're thinking about buying, building, or simply exploring your options, I'd be honored to help. Feel free to message me or give me a call—I'm always happy to answer questions and guide you through the process!
🏠 Your homeownership journey starts with a conversation. Let's connect! 😊

Equal Opportunity Lender

06/24/2026

From first‑time buyers to jumbo financing, from construction loans to land purchases—I’ve spent years helping people turn their plans into reality.

Markets change, programs evolve, but one thing stays the same: my commitment to guiding you with experience, transparency, and solutions that fit your goals.

If you’re planning your next chapter, let’s talk about what’s possible.

06/03/2026

Helping people achieve homeownership is one of my favorite parts of what I do. 💙
If you're considering a jumbo loan or any type of home financing, I would love the opportunity to help you explore your options and find the best fit for your situation.
Feel free to message me anytime—I'm here for you!
Equal Opportunity Lender