Residential home loans · Idaho
Ready for you to be home.
Purchase, refinance and construction loans across Idaho. Guided personally by Ross Farr, with 25 years in lending and a stress-free process for first-time buyers and complex incomes.
Buying, building or refinancing? Start with a conversation.
Ross Farr
Founder and Broker of Record
NMLS #87635
25 years
in mortgage lending, the first 15 in the Seattle market
2 offices
Rexburg and Idaho Falls, lending across all of Idaho
~$280M
funded 2005 to 2010 at Ross's earlier brokerage
NMLS 87635
Ross Farr, licensed Broker of Record
What we do
Loans for buying, building and renewing
Construction and renovation
Ross has been a construction lender for almost a decade. New builds and remodels are his favorite kind of loan.
- Home purchasePersonal guidance from first call to closing, with extra care for first-time buyers who feel bewildered by the process.
- Complex incomeIncome that does not fit a simple template is one of Ross's specialties.
- Refinance and home equityReview your options to refinance, or put the equity in your home to work.
- FHA loansGovernment-backed financing for eligible buyers.
- VA loansHome financing for eligible veterans and service members.
How it works
A clear path from first call to keys
Talk it through
A conversation about your goals, your income and your timeline.
Choose your loan
Compare the options that fit your purchase, build or refinance.
Document with care
Ross and his team gather and review paperwork so problems surface early.
Close and move in
Sign, collect the keys and start the next chapter at home.
Meet the founder
Ross Farr, Broker of Record
Ross has spent 25 years in mortgage lending, the first 15 in Seattle's high-pressure market. Today he lends across Idaho from offices in Rexburg and Idaho Falls.
He started HomeReady Lending to give buyers and builders a personal, stress-free experience, with special care for first-time homebuyers who are often bewildered by the process.
- HomeReady Lending
- Broker of Record, 2025 to now
- Zions Bank
- Mortgage Loan Officer, 2016 to 2025
- Columbia Mortgage
- Broker of Record and Principal, 2004 to 2013
A mortgage originator is one-third salesman, one-third underwriter and processor, and the balance is a mixture of arbitrator, lion tamer, and indefatigable hustler.
Contact
Let's talk about your home
Tell Ross what you are planning and he will follow up. Prefer to call? He picks up the phone.
Rexburg office
30 S 2nd W, Rexburg, ID 83440
Idaho Falls office
3525 Merlin Dr, Idaho Falls, ID 83404
Phone
(253) 244-2555