Javier "Javi" Redondo - Loan Officer: NMLS #2735380

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Pocatello, ID
Javier "Javi" Redondo - Loan Officer: NMLS #2735380

Hi, I’m Javier “Javi” Redondo, a licensed loan officer in Idaho and Wyoming.

I help people achieve their real estate goals and build lasting legacies, drawing on my full-circle experience in construction, home ownership, finance, and mortgages.

10/27/2026

🏡 The cheapest home isn't always the most affordable - at least not in all cases!

Just because one home has a lower purchase price doesn't necessarily mean it will have a lower monthly payment. Even if they have the same rate and the same applied down payment. Why? The escrow portion of your payment.

Every property is going to have different property taxes and homeowners insurance costs. Depending on those differences, a more expensive home could actually have a very similar monthly payment to a cheaper one, or sometimes even less!

And that's before considering things like maintenance, repairs, and the overall condition of the home.

When you're looking at homes and considering putting in an offer, your lender should be providing realistic estimates for property taxes and homeowners insurance on each specific property, not just using the same numbers for every home.

Don't just compare purchase prices. Compare what each home will actually cost you every month with full PITI estimates specific to each property! 🏡

10/26/2026

🏡 Wait… I thought I had a FIXED mortgage rate - why did my mortgage payment change this year?

One thing that surprises homeowners is that their monthly mortgage payment can actually change, even with a fixed interest rate.

Here's why:

Your mortgage payment often includes more than just principal and interest and those other items are held in an escrow account. In most cases you have a yearly escrow analysis checking for updated items such as raised or lowered property taxes.

It can also include things such as (sometimes other items):
🏠 Property taxes
🛡️ Homeowners insurance

While your principal and interest payment stays the same on a standard fixed-rate mortgage, your property taxes and insurance premiums can change over time. Important to note most lenders give you options, for example: property taxes up $120 for the year - pay $10 monthly to make sure your escrow account meets what it needs or pay the $120 right now.

That means your total monthly payment could go up OR down depending on those costs. I have personally seen it go both ways on my own property.

A good lender should make sure you understand what you're paying for, not just what your payment is today. Also, a good lender should always make sure you understand what and how escrow accounts work. It is a big deal.

One thing I always do when reviewing line by line the initial and final closing disclosure (also throughout the process) with my clients is that they understand the escrow piece of the puzzle. 🏡

10/22/2026

Your credit score matters, but it’s not everything when it comes to buying a home.

Why? Because there’s a lot more that goes into a loan approval than just credit.

Your income, employment history, monthly debts, down payment, savings, and the loan program you’re using all play a role.

Someone with a 650 credit score might be in a better position to buy than someone with a 750 depending on those several variables. It all depends on the bigger picture.

A higher score can definitely help with rates, costs, and loan options, but it doesn't automatically mean you'll qualify. And a lower score doesn't automatically mean you won't or that you also can't get a good deal or even different/more options.

Credit is just one piece of the puzzle. The whole puzzle is what actually matters.

Don't assume you're ready or not ready based on a number. Have someone actually look at your situation. You might have more options than you think! 🏡

10/20/2026

🏡🏈 Introducing The Homebuyer Playbook! Link below. ⏬

I'm excited to announce a new complimentary educational series designed to help future homebuyers learn, prepare, and build a game plan for homeownership!

Whether you're looking to buy soon, a year from now, be prepared for whenever your time is, or just want to learn more, this is for YOU!

📚 Twice a month, we'll host small, in-person, interactive workshops/seminars covering credit, financing, down payments, inspections, appraisals, insurance, and much more!

🤝 The best part? We'll feature different local real estate professionals at every event, including Realtors, inspectors, appraisers, insurance agents, escrow officers, and more! Each will bring their own expertise and perspective.

🎯 Our goal: Educate and prepare future homeowners so they can buy with confidence when they're ready. No pressure, just valuable information!

📅 First Event: November 5th at 6:00-7:30 PM
📍 Location: VanDyk Mortgage Office – 440 E Clark St, Pocatello, ID
🎟️ In-Person | Limited Seating

🔗 Register here: https://www.eventbrite.com/e/2003469889371?aff=oddtdtcreator

Learn. Prepare. Plan. Purchase.

10/13/2026

🏡 Something most people don't realize is that you don't always need months or years of paychecks from a new job to qualify for a mortgage.

In certain situations, we can use income from an employment offer or contract to help someone purchase a home before they've even started working.

Think about:

🎓 A college graduate accepting their career job.

🚚 Someone relocating to Idaho for a new position.

💼 Someone transitioning into a new salaried position.

Depending on the loan program, employment terms, documentation, and other requirements, we may be able to use that future income to qualify.

This can be especially helpful for people who think they need to wait several months / multiple years after starting a new job before buying. So much people do not realize that in many situations things like school, missions, exc can help fill gaps.

The bigger point? Mortgage guidelines have a lot more flexibility than most people realize.

Don't automatically assume you have to wait to purchase a home because of a job change or YOUTH. Every situation, program, and agency are different. Many times there is a way.

Sometimes it's worth having a conversation before ruling yourself out!

10/12/2026

🏡 Your first home doesn't have to be your forever home.

One thing I see a lot is people thinking their first home needs to check every single box. Maybe that was possible a dozen years ago, but sadly for many people that isn't or should be the first one.

The perfect location, the perfect layout, the big garage, the dream backyard… all of it.

But here's the thing: Your first home can simply be a stepping stone. Something you like and are comfortable with that eventually gets you to the dream home.

It can be a place to start building equity, create memories, and put yourself in a position to buy that dream home down the road.

Don't let the pursuit of perfect keep you from exploring what's possible today.

Start somewhere. Build from there. 🏡

10/08/2026

🏡 Just Because You're Approved for It Doesn't Mean You Have to Spend It!

There's a big difference between what you qualify for and what you're comfortable paying!

For some people, that comfort level might be a 35% debt-to-income ratio (DTI). For others, it could be 45% or even 50%.

We all live different lifestyles, budgeting, families, and a variety different expenses!

🚗 Vehicles and hobbies
✈️ Vacations and traveling
💰 Savings and retirement
👨‍👩‍👧‍👦 Family and everyday expenses

One important thing about the graphic: The three examples aren't universal! A 35% DTI doesn't automatically mean financial flexibility, just like a 50% DTI doesn't necessarily mean someone is stretching their budget. Everyone has different incomes, expenses, priorities, and financial situations.

DTI is an important qualification factor, but it doesn't tell the whole story.

My job isn't to get you into the most expensive home possible. It's to help you understand your options and find a payment that fits YOUR lifestyle and goals.

Because qualifying for a payment and being comfortable with it are two very different things!🏡👍

10/06/2026

🏠 “My credit score is 720… what’s my rate?”

The truth is, your credit score is only ONE piece of the puzzle.

Your mortgage rate can also depend on:

• Loan type
• Down payment
• Property type
• Occupancy — primary, second home, or investment
• Loan amount
• Debt-to-income ratio
• Discount points/credits
• The specific loan program you qualify for

Two people with the exact same credit score could receive completely different mortgage options.

That’s why I’m hesitant to throw out a random rate without actually looking at the full picture.

A good lender isn’t just finding you a rate — they’re figuring out which loan structure makes the most sense for your situation.

📲 If you're curious what YOUR options look like, reach out. There’s never any pressure to buy a house just because we run the numbers.

10/05/2026

🏡 Please get pre-approved BEFORE you go under contract on a home or start putting offers.

Not after you find the house.
Not after your offer gets accepted.
Before.

A pre-approval is about a lot more than knowing what purchase price you may qualify for.

Before you make an offer, your lender should be looking at things like:

✅ Income and employment
✅ Credit history and score
✅ Monthly debts
✅ Assets and funds needed to close
✅ Which loan programs you qualify for
✅ Estimated monthly payment
✅ Potential underwriting issues

Why does this matter?

Once you're under contract, the clock is ticking. ⏰

You have deadlines for financing, appraisal, inspections, earnest money, and ultimately closing. Finding out AFTER you're under contract that there is an income issue, credit problem, insufficient funds, or that you don't qualify for the loan program you expected can create a stressful situation for everyone involved.

Sometimes those problems can be fixed—but sometimes they take weeks or even months to resolve.

A good pre-approval gives us the opportunity to find those issues before there is a house and a closing date on the line.

It also allows you to shop confidently knowing:

💰 Your realistic price range
🏠 Your estimated payment
📋 Your loan options
💵 Approximately how much you'll need for closing
🤝 That you're actually prepared to make an offer

Find your lender before you find your house.😁👍

10/01/2026

Happy International Coffee Day! ☕️💚

Is that grown up Tucker?! 🐶😁

Address

440 E Clark Street Suite A
Pocatello, ID
83202

Website

https://javierredondo.vandyk-pos.com/

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