Bank Statement Program

Excited to tell you a little about our bank statement program!
Few Highlights listed below:
* 12-24 Month options, utilizing personal or business bank statements
* 1099 Income Eligible
* Max Loan amount $3,000,000
* Purchase, Rate &Term and Cash-Out Refinances
* 30 and 40 year fixed rate terms
* Interest only options
* Min Fico 660
* Max Loan to value 80%
We help our clients clearly identify their goals and provide strategies so they can make smart mortgage decisions ultimately building wealth quicker for themselves and their family.
✔️ Who We help:
Clients looking to purchase or refinance residential Real Estate. Our mortgage planning team works with clients and business partners to set up a mortgage solution geared to the clients specific long and short term financial and wealth goals.
✔️Our Why:
Helping clients purchase and build wealth through real estate in a simple and smart way. Our industry makes the process of buying a home and attaining a mortgage too complex. We communicate and present in a way to give our clients a clear picture so they can make a smart financial decision and have a great experience doing it.
✔️ Family Life:
I have lived in the North End of Boise since 2009. My wifes name is Kristy and I have a son, Oliver and daughter, Sophia. My family is everything to me. We are very much into sports, outdoor activities, and essentially anything we can compete against on. I love the Northwest!
Fairway Independent Mortgage Corporation
Noel Smith, Loan Officer, NMLS #156016


"This is the second time I have used Noel and his team and both time has been an absolute seamless smooth experience. Any questions or concerns you have get answered promptly. Thank you Noel & Darcy and the rest of your team!"

randy michaels

"Noel and Darcy were so responsive and helpful. Both kind, clear communicators, and motivated to make the process of home buying as low stress as possible. My real estate agent was so impressed and said they were some of the best loan officers she had ever worked with!"

haley robinson

"Noel and Darcy were so responsive and helpful. Both kind, clear communicators, and motivated to help make the process of home buying as low-stress as possible."

haley r