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Discover Our Wide Range of Services

Explore our diverse offerings tailored to meet your needs. From personalized solutions to expert guidance, we are here to support you every step of the way. Here’s just a small snippet of what we offer our partners:

  • Highly efficient loan process and technology, which includes dedicated loan officer assistants, and processors that you’ll work with on each transaction.
  • Hundreds of industry-leading loan product and program offerings
  • Elite technology and tools, including co-branded application pages for your clients. Both auto updates, as well as calls to update all parties throughout the transaction.
  • Co-branded marketing materials including buyer + seller guides, open house flyers, postcards, brochures, and single-listing websites.
  • Dedicated social media team to enhance your existing social media platform, increase your presence, and generate deals for us together!

I’m here at the ownership level to show my support for my loan officer and their partnerships
We win TOGETHER

Jeff Toomire

Co-Founder & CEO / MLO

NMLS # 210102

a broad and competitive
product lineup

Conventional Loan

Conventional Loans

  • 620 Minimum FICO (no minimum FICO with LP approval)
  • 97% LTV allowed
  • Single Premium MI options available
  • No max DTI with DU/LP approval
Click here for more info
FHA Loan

FHA Loans

  • 500+ FICO with 10% down
  • 580+ FICO with 3.5% down
  • FHA streamline refinance with no appraisal or DTI calculation
  • No max DTI with DU/LP approval
Click here for more info
Jumbo Loan

Jumbo Loans

  • Fixed Rate and Adjustable-Rate options
  • Loan Amounts up to $5 million
  • Loan-to-Value Options as high as 90%
  • No max DTI with DU/LP approval
Click here for more info
VA Loan

VA Loans

  • 500 minimum FICO with 0% down
  • Interest Rate Reduction Refinance Loan (IRRRL) with no appraisal or DTI calculation
  • Loan Amounts to $2 Million
  • No max DTI with DU/LP approval
Click here for more info
USDA Loan

USDA Loans

  • 580 Minimum FICO with 0% down
  • No max DTI with GUS approval
  • Roll in closing costs up to 102.75% of sales price or appraised value (whichever is higher)
  • Streamline assist refinance with no appraisal or DTI calculation
Click here for more info

NICHE PRODUCTS

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  • Assets-for-Income Programs
  • Bank Statement Programs
  • Bond & Down Payment Assistance
  • Bridge Loans
  • Container Home Loans
  • No Income and No Employment Verification on Primary Residences*
  • 500 minimum FICO with 0% down
  • Interest Rate Reduction Refinance Loan (IRRRL) with no appraisal or DTI calculation
  • Loan Amounts to $2 Million
  • No max DTI with DU/LP approval
  • 580 Minimum FICO with 0% down
  • No max DTI with GUS approval
  • Roll in closing costs up to 102.75% of sales price or appraised value (whichever is higher)
  • Streamline assist refinance with no appraisal or DTI calculation
  • Fannie Mae Homestyle Renovation
  • FHA 203(k) Limited and Standard
  • Foreign National Programs
  • Freddie Mac HomePossible
  • ITIN Programs
  • Investor Programs (No Income or Employment Documentation Required)
  • Land Loans
  • Manufactured Homes
  • Non-Warrantable Condominiums
  • One-Time Close Construction
  • Recent Housing Events
  • Reverse Mortgages
  • Fannie Mae HomeReady
To Make You Look Great!

Marketing Services

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DEDICATED MARKETING SUPPORT

Unparalleled support from day one set up to custom marketing requests with quick turn times - we've got you covered.

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SOCIAL MEDIA CAMPAIGNS

Building a brand online is a big deal and we’re here to help. We provide automated (“set it and forget it”) social media content to drive engagement, educate, and inspire.

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PERSONALIZED LOAN OFFICER WEBSITES

Every loan officer gets their own microsite.

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PRINT AND DIGITAL MARKETING

Select from pre-made designs or utilize our custom marketing and design services: Postcards, Flyers/Brochures, PowerPoints, Video Marketing

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RESOURCES FOR SPANISH SPEAKING BORROWERS

We offer a wide range of marketing materials for Spanish-speaking borrowers. Including flyers, emails, and downloadable guides for your Spanish-speaking clients.

Branding & Advertising

social media

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Our Motto

THE FLATTER
THE BETTER

When it comes to sales hierarchy. We don’t believe in having multiple layers of management. This means your loan officer has direct access to the person that has control to support every request in an efficient and timely manner. Within the company, every employee has an open-door relationship with our entire executive team. We’re fully committed to the success of our originators, their career with us, and building the necessary tools for extreme efficiency.

The secret to our success is quite simple: we put production first. This was the basis for creating our 1-2-1 commitment. By utilizing all resources and providing our originators the tools they need to succeed, we are providing the most reliable experience to our sales team.

Dedicated Loan Officer Assistant & PROCESSOR

Our in-house local teams work together through a frictionless process, communicating with transparency and speed.

Branding & Advertising

social media

DISCOVERING THE YOU IN YOUR BRAND

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Workshop to articulate your PERSONal brand so that we can articulate you as a PERSON with the world.

WEB PRESENCE AUDIT & OPTIMIZATION

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Deep dive into your current online presence including; Facebook, Instagram, Youtube, Google My Business, Linkedin, TikTok and any websites. Then we assist you with optimizing each for maximum ROI.

CREATE YOUR CLIENT AVATAR

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Who is your ideal client (target audience)? You attract what you put out into the world. We help you create compelling messages to connect in a meaningful way for consistent predictable conversion with the clients you want to work with.

CONTENT IDEA WORKSHOP

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Now that we have your ideal client, we brainstorm and dissect ideal content ideas with you and show you how to make them come to life.

CUSTOM LANDING PAGE

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We create a custom landing page to capture and convert all leads.

SCHEDULING & EDITING

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Organic and paid ad scheduling and editing guidance.

WEEKLY MASTERMIND MEETINGS

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Weekly social media strategy mastermind calls. What is working for your peers, what's trending, how can we help and more!

MEET THE OWNERSHIP TEAM

Our team is a vibrant blend of talented individuals, each bringing unique skills and perspectives to the table. Get acquainted with the faces behind our success. The owners have all worked together for years and the CEO and COO have been together since 2005. That longevity breeds success and also shows the ability to work together and why Ideal Mortgage will be around for decades to come!

MEET THE OWNERSHIP TEAM

Our team is a vibrant blend of talented individuals, each bringing unique skills and perspectives to the table. Get acquainted with the faces behind our success. The owners have all worked together for years and the CEO and COO have been together since 2005. That longevity breeds success and also shows the ability to work together and why Ideal Mortgage will be around for decades to come!

Stephen Starkey

Co-founder & Director of Operations

Recent Publication

Ideal Mortgage is excited to announce the release of our latest publication, offering insights and expert advice for homebuyers. Our dedicated brokers provide personalized mortgage solutions to help you navigate your home-buying journey with confidence. Discover the perfect mortgage for your dream home with Ideal Mortgage.

GET IN THE GAME WITH OUR TEAM