Kobi Gardea Mortgage Loan Officer

04/16/2026

Home loans aren't a one-size-fits-all solution. They should fit your goals, budget, and timeline.
Whether you're buying, upgrading, or exploring options, the right loan is one that adapts to your life.
Let's create a personalized plan. DM me with any questions

03/25/2026

03/15/2026

When you understand your budget, payment, and options, the homebuying process becomes a lot less stressful and a lot more empowering.
If you’re thinking about buying and want to see what your numbers look like, send me a DM.

02/10/2026

Think you need tens of thousands to buy a home?
Some first-time buyer programs let you start with as little as $500
Stop renting. Start building equity.
📩 DM me to learn more

11/28/2025

This year reminded me how meaningful it is to support families as they take such an important step. I’m grateful for every client who trusted me and every partner who helped make it possible. Wishing you all a warm and happy Thanksgiving!

08/12/2025

Had a great time at the GPAR golf tournament yesterday! It’s always a pleasure to spend the day on the course, connect with new people, and network with the incredible companies that help make what we do possible.
DM me for any mortgage loan questions!
NMLS # 2708702 APFCU NMLS # 414699

07/29/2025

I’m thrilled to announce that I’ve joined Advantage Plus Federal Credit Union as your newest Mortgage Loan Officer! 🏡

Whether you're buying your first home, building your dream house, or looking to refinance, I’m here to help you every step of the way. We offer a full range of loan options to fit your needs, including:

✅ FHA Loans
✅ Conventional Loans
✅ VA Loans
✅ RD (Rural Development) Loans
✅ Construction Loans
✅ First-Time Homebuyer Programs

My goal is to make the mortgage process smooth, stress-free, and tailored to you. Let’s turn your homeownership dreams into reality!

📲 Feel free to reach out with questions or if you’re ready to get started. I’m excited to serve my community in this new role.

(208)-915-2974
Kobi Gardea
Mortgage Loan Officer
Advantage Plus Federal Credit Union
NMLS # 2708702 | Advantage Plus NMLS # 414699