Hi there! For 37 years, my journey in the lending world – from credit unions to managing banks and leading development teams – has shown me one crucial thing: finding the right home financing is deeply personal. It's about more than just numbers; it's about your family, your security, and your dreams.
My passion isn't just providing financial solutions; it's being your dedicated partner and advocate. Experience taught me you don't need another salesperson – you need a trusted guide who genuinely understands your goals and helps you navigate the path forward. That’s the heart of why my business partner, Mike Hobbs, and I founded our company, focusing on integrity, real partnership, and your satisfaction.
When I'm not immersed in the world of mortgages, you'll likely find me cherishing time with my family, friends, and my beloved pets. I have a passion for exploring the world, whether through trying new recipes in the kitchen, traveling to new destinations, or simply embarking on everyday adventures. I truly believe that curiosity and connection are vital – in life *and* in finding the perfect home loan solution for you!
If you're seeking a lending partner who prioritizes your needs and guides you with care, I'd love to connect and explore how we can achieve your homeownership goals together.
A wide range of financing options designed in our Loan Lab™ to manufacture a purpose-designed loan for you.
Secure predictable payments with fixed-rate mortgages or explore flexibility with adjustable-rate options.
Learn More →Government-backed loan programs offering flexible qualification requirements and potential low down payments.
Learn More →Finance both the purchase and renovation costs of your home with a single, convenient loan.
Learn More →Hear how Carla's dedication and expertise have helped families achieve their homeownership dreams.
"Carla made the complex mortgage process feel simple and straightforward. Her guidance was invaluable in securing the perfect loan for our first home. We felt supported every step of the way!"
First-Time Homebuyers
"Refinancing seemed daunting, but Carla found us an option that significantly lowered our monthly payments. Her knowledge and proactive communication were exceptional."
Refinance Client
"As an investor, finding the right financing quickly is crucial. Carla understands the market and always presents the best options. Her efficiency and expertise are unmatched."
Real Estate Investor
Let's discuss your homeownership goals. Schedule a consultation or start your application today!
Founder | Home Loan Broker | NMLS #61502
"There's nothing more rewarding than helping families unlock the door to their future. For me, it's not just about loans and numbers; it's about building relationships, understanding dreams, and being a trusted partner on the journey to finding that perfect place to call home. That connection, that shared success – that’s why I love what I do."
The principles guiding our work and commitment to you.
We view our client relationships as true partnerships, working collaboratively towards your homeownership goals.
We relentlessly fight for your best interests, acting as your dedicated advocate throughout the financing process.
We operate with the highest ethical standards, ensuring transparency and trust in every interaction.
Your satisfaction is our ultimate goal. We strive to deliver personalized solutions that exceed expectations.
With a combined 116 years in mortgage lending, legal, and real estate between the founders, Carla Durheim and Mike Hobbs established Chem Financial with a core belief: genuine partnership and advocacy lead to the best client outcomes.
Our chemistry defines our virtues, emphasizing community belonging, family security, and the camaraderie of friends. We relentlessly fight for our clients' right to homeownership, fueled by a passion and heritage of winning.
We are your voice, speaking out in word and deed, to provide superior home financing solutions. Ask us about our Loan Lab™ and how we use it to manufacture a purpose-designed loan for you.
Powered by Summit Lending, we offer lending services built on integrity, partnership, and client satisfaction.
Ready to discuss your home financing needs? Connect with Carla today.
If there's a way to help you finance your next home or your current one... I've done it all. Explore some of our popular options:
Secure predictable monthly payments with a fixed-rate mortgage, or explore the potential for lower initial rates with an adjustable-rate mortgage (ARM).
Leverage the equity in your home to access funds for renovations, debt consolidation, or other major expenses.
Benefit from government-backed loan programs designed to make homeownership more accessible, often with lower down payments and flexible credit requirements.
For homeowners 62+, explore options to convert home equity into tax-free income without selling your home, guided ethically and responsibly.
Finance both the purchase price and the cost of improvements for your dream home, or refinance to fund renovations on your current property.
Bridge the gap between selling your current home and buying a new one with short-term financing solutions.
Explore strategies like recasting to lower your payment without refinancing, or buy-downs to reduce your interest rate temporarily or long-term.
Specialized loan options for purchasing or refinancing investment properties to help build your real estate portfolio.
Don't see exactly what you need? Contact us! We manufacture purpose-designed loans in our Loan Lab™.
How we partner with you from application to closing.
We discuss your goals, financial situation, and help you understand your buying power with a solid pre-approval.
We guide you through the application, gather necessary documents, and process your loan efficiently.
Our team works diligently with underwriters to secure your final loan approval, keeping you informed.
We coordinate a smooth closing and remain your resource for future home financing needs.
Whether you're ready to apply or just have questions, reach out today!
We provide benefits all Home Loan Officers should -- but often don't. Innovative - Responsive - Approachable.
Leverage Carla's 37 years in the lending industry, serving over 15,000 families. She's seen it all and knows how to navigate complex situations.
You need more than a salesperson. Carla acts as your dedicated partner and advocate, putting your best interests first.
We don't offer cookie-cutter solutions. Our Loan Lab™ manufactures purpose-designed loans tailored specifically to your goals.
From standard loans to niche products like renovation or reverse mortgages, we have the tools to find the right fit.
We believe in clear, timely communication. You'll be kept informed throughout the entire process.
Carla's background includes developing innovative strategies for banks and credit unions – expertise now applied directly for you.
Answers to common questions about working with Carla Closes.
Pre-approval determines how much you can likely borrow based on a review of your finances. It strengthens your offer when buying a home and shows sellers you're a serious buyer.
Down payment requirements vary significantly by loan program. Some options like VA or USDA loans may require 0% down, while FHA loans often require 3.5%. Conventional loans can range from 3% to 20% or more. We'll explore the best options for your situation.
Closing costs are fees associated with finalizing your mortgage, typically including appraisal fees, title insurance, recording fees, and lender charges. They usually range from 2% to 5% of the loan amount.
The timeline can vary, but typically it takes 30-60 days from application to closing. Factors like loan type, appraisal timing, and responsiveness affect the speed. We work efficiently to keep things moving.
As a licensed broker, I can assist clients in the states where I hold a license. Please contact me to confirm if I can help in your specific state.
Let's start crafting your personalized mortgage solution today.
Use the form below to send your questions or request information.
Reach out directly via phone or email, or start your secure online application now.
410 E Sherman Ave
Suite 207
Coeur d’Alene, Idaho 83814
Carla Durheim NMLS #61502
Powered by Summit Lending - NMLS #1850081
Licensed in: [List States Here]
410 E Sherman Ave, Suite 207, Coeur d’Alene, ID
Quick answers about consultations and getting started.
Carla strives to respond to all inquiries promptly, typically within one business day. For urgent matters, please call or text directly.
Yes, the initial consultation to discuss your needs, goals, and explore potential loan options is complimentary.
Absolutely. Consultations can be conducted via phone or video conference to accommodate your schedule and location.
Having a general idea of your income, assets, debts, and your home buying or refinancing goals is helpful. Don't worry if you don't have everything – we can guide you.
