About The Steve Novotny Team
Northern Idaho is where Kim, Lance, and I chose to raise our families and live a full life: a dream and a story that we all want to fulfill. I am blessed to share every day with my amazing wife, Robyn, and we have two fabulous sons, Noah and Liam. A very active family, we love to travel, ski, camp, and mountain bike. We seek out anything that allows us to experience something new, historic, or keeps us active and outdoors. Lance and his wife, Debbie, enjoy alpine hikes, picking huckleberries, pickle-ball, reading fascinating books, and cooking. Their daughters, Claire and Maile, love travelling the world and experiencing different cultures. For his first career, Lance taught high school Latin for twenty years. Kim, her son, Dakota, and her daughter, Kamee, love keeping up family traditions, jumping into community activities, and taking advantage of what the outdoors offer. Besides golfing, attending live concerts, and reading, Kim likes to delve into crafts during the winter. What is the next chapter for you? Kim, Lance, and I want to help you tell your story. As a team, we have over 60 years of experience at bridging hopes to reality, as we have been blessed to support thousands of people with their home financing. We strive to work hard and with integrity and a desire to learn what is changing in mortgages and its market: qualities we feel our industry partners and clients appreciate. As a top producer in North Idaho for the last 10 years, and as a lender in the top 1% of mortgage loan originators in the country since 2018, we believe that our success is directly connected to how much my team and I care about you, our clients and referral partners. The Steve Novotny Team looks forward to earning your trust and exceeding your expectations for a long time to come. Whether you are buying your first home, a vacation property, investing in multiple rental properties, refinancing for a remodel, or updating your mortgage to fit where you are in life, trust us to take care of you and your home financing needs. And then tell us about your story as it unfolds. Scotsman Guide Emerging Star 2023 Scotsmans Guide Top Producer list 2018-2024 Scotsmans Guide Top Idaho Mortgage Lender 2020-2022 Top Mortgage Loan Originator in North Idaho Since 2018
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 1107 N 4th St, Suites 202, 203, and 204 Coeur d'Alene ID, 83814
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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