Corey David Koski, Sr. Mortgage Advisor, Nmls#2074688

02/11/2026

What is a prequalification?

Being prequalified for a house means a lender has preliminarily determined you're eligible for a mortgage up to a certain amount. But it’s not a guarantee.

Pre-qualifying for a home loan is the first step in the homebuying process. I can help you estimate what you might be approved for as you search for your new home. Contact me at 208-819-9723 or [email protected] to learn more and make an appointment.

Mortgage loans are subject to membership, credit approval, and other underwriting criteria; not every applicant will qualify. Certain restrictions apply. Home loan programs, terms, and conditions are subject to change without notice. Boeing Employees’ Credit Union NMLS ID 490518. Equal Housing Opportunity Lender.

02/04/2026

It’s encouraging to see progress being made in parts of Shoshone County regarding flood requirements. Updated FEMA mapping could eliminate an additional cost for homeowners that may no longer be necessary. If the new maps reflect lower risk, that could mean money staying in homeowners’ pockets and one less hurdle for affordability and resale. It will be interesting to see how broadly the revisions apply and how quickly they are adopted by lenders and insurance providers.

Note: this post and the article are intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized financial, business, or professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation.

In 2020, Kellogg and neighboring municipalities sought updated river flow data from the U.S. Army Corps of Engineers, whose long‑term monitoring showed flood levels lower than those reflected in FEMA’s maps. Using that data, Kellogg submitted a Letter of Map Revision, or LOMR, to FEMA in early 2...

12/25/2025

10/30/2025

We appreciate when families text photos of their homes under construction. This residence sits on the outskirts of Coeur d'Alene, ID with awesome views of the mountains surrounding Lake Coeur d'Alene. The fall season has a much better look now that the wildfire smoke has cleared the air!

09/30/2025

New build funded by BECU at Priest Lake, ID.

Making waves in home loan financing!

09/24/2025

New construction overlooking the Spokane River in Post Falls, ID.

Framing Your Finances & Structuring Loans That Support Your Build!

08/04/2025

Significant revisions to the May & June jobs data indicate a larger slow down in job creations. This data plays a crucial roll in the fed's decisions on interest rates as they try to meet their dual mandate of achieving maximizing employment and stable prices.

What will they decide to do in their next meeting Sept. 16-17?

https://finance.yahoo.com/news/us-labor-market-adds-73000-jobs-in-july-while-may-june-reports-see-larger-than-normal-downward-revisions-195103455.html

07/28/2025

First-time home buyers who exceed the income limit requirements for our first time home buyer grant could qualify for a $1,000 credit toward* down payment or closing costs.

Eligibility Requirements
Income must exceed 100% Fannie Mae Area Median Income (AMI) limit.
Only the first 200 locked loans will receive the $1,000 grant funds.

Qualifying Home Loan Programs**
-Fixed Rate
-Adjustable Rate
-Jumbo
-VA
-Construction
-WSHFC Home Advantage (Income cannot exceed $180,000)

*In order to qualify for the funds, buyers must meet all the program criteria, including loan and property qualifications, all of which are not listed here. You must receive approval for the $1,000 lender credit, which is available for the first 200 locked loans or December 31, 2025, whichever comes first. Total lender credit may not exceed the actual amount of closing costs and prepaids, and no cash back will be paid to the borrower. Offer cannot be combined with other offers, except the $250 FTHB coupon. BECU reserves the right to alter or change criteria at any time.

**Mortgage loans are subject to membership, credit approval, and other underwriting criteria; not every applicant will qualify. Certain restrictions apply. Home loan programs, terms, and conditions are subject to change without notice.

All federal, state, and local taxes imposed on the acceptance of a grant are solely the responsibility of the applicant. BECU will issue an IRS Form 1099-MISC or W-2 to an applicant where a Form 1099-MISC or W-2 is required by applicable law. Applicants should consult their own accountant(s) or tax advisor(s) to determine tax implications, if any. Equal Housing Opportunity Lender. Boeing Employees Credit Union NMLS #490518

Corey Koski
NMLS 2074688

07/21/2025

Did you know that a loan’s interest rate is affected by not only economic and market conditions, but also borrower-specific factors like your credit score and debt-to-income ratio?

Check out our rate calculator and learn about today's interest rates for purchase or refinance https://www.becuhomeloans.org/calculators/PurchCalc_Full_MthPymt.asp Or contact me to learn more and start your application process. I am here to help!

What is an interest rate?
Your home loan interest rate is the cost of borrowing money.
Lower rate = less money paid overtime. Even a 0.5% difference can save you thousands.

07/15/2025

This 18-mo build is coming together on the lake!

BECU has the experience and great resources to help you build a home. Work with an experienced BECU mortgage advisor, who can help guide you and your builder through the homebuilding process. We'll also help you determine the best financing options for your circumstances.

With BECU, you can expect competitive loan-to-value ratios, competitive construction loan terms and the resources you need to make the homebuilding process easier.

https://www.becu.org/loans-and-mortgages/home-loans/construction

Mortgage loans are subject to membership, credit approval, and other underwriting criteria; not every applicant will qualify. Construction loans are available in Washington, Idaho, and Oregon only until further notice. Certain restrictions apply. Home loan programs, terms, and conditions are subject to change without notice. BECU reserves the right to terminate this program at any time without notice. Equal Housing Opportunity Lender. Boeing Employees Credit Union NMLS #490518

07/14/2025

What NOT to Do Before Closing.
Avoid these common mistakes after you're under contract:
- Opening new credit cards
- Making big purchases (like furniture or a car)
- Changing jobs
These can affect your loan approval. Wait until after closing!
Want to learn more? Let’s connect.

[email protected]
208-819-9723

04/03/2025

This family closed on land almost two years ago and yesterday they got to close on their construction loan so they can start building their dream home on Idaho Waterfront!

Excited to watch this one go up.

BECU
Construction
Waterfront
Purchase
Refinance