Unparalleled service and commitment in North Idaho's mortgage industry
By Thomas Williams
Located in North Idaho, The Steve Novotny Team at Rate has rapidly emerged as a leader in the mortgage lending industry. With a team of seasoned professionals and a solid commitment to the community, they have set themselves apart by offering unparalleled service and innovative mortgage solutions.
Steve Novotny, the team leader, attributes his work ethic to his parents, who instilled in him the values of hard work and dedication from a young age. “Hard work and effort have always caught my attention,” he shares. “From when I was young till now, the similar work ethic of my parents inspired me. Whether it was my mom staying up late for ER patients at Kootenai Health or my dad teaching us to cut firewood on the same day he ran CT scans and X-rays for patients at the same hospital, ‘giving your all’ became being an adult.”
Steve found his passion for the mortgage industry while in college and is celebrating his 14th year in the business. Over the past decade, his team has helped thousands of families with their home financing needs. Their dedication has earned them recognition as one of the top mortgage lenders in the country by Scotsman’s Guide, and they have been the top mortgage lender in North Idaho since 2018.
The team, comprised of Steve, Lance Novotny, Kim Fisbeck, Kori Wolff and Luann Warren, brings more than 55 years of combined lending experience to the table, making them a leading mortgage team — not only in Sandpoint and Coeur d’Alene but throughout the Inland Northwest. Each member contributes a unique set of skills and expertise to the team’s success.
Kim, VP of mortgage lending, boasts 20-plus years of experience and has been a vital part of the team for more than five years. Her extensive knowledge ensures every client receives the best experience possible during the mortgage loan process.
Lance, VP of mortgage lending, transitioned from being a Latin teacher to one of North Idaho’s top mortgage professionals and a mortgage originator over the last six years. His passion for building relationships and educating clients has been a cornerstone of the team’s success.
Luann, a mortgage consultant with more than 11 years in the industry, is the engine that drives the team’s smooth and fast closings. She has been with the team for seven-plus years, ensuring that loans are processed efficiently from start to finish.
Kori, the business development coordinator, has six years of mortgage lending experience and has been with the team for five of those years. She excels in providing exceptional service and communication to clients and industry partners during the loan process.
This past June, The Steve Novotny Team joined Rate, bringing cutting-edge technology and support to North Idaho, from Coeur d’Alene to Sandpoint. This move reinforces their reputation as a mortgage originator. Their shared goal is to provide clients and industry partners an exceptional mortgage experience.
“We are a mortgage lender servicing our local communities. We offer residential home loans, including conventional, FHA, VA, Idaho Housing, down-payment assistance programs, USDA, and jumbo loan products. We also offer refinance options and HELOCs,” Steve explains.
Their unwavering commitment to their clients sets The Steve Novotny Team apart as a top producer. “We want to care for our clients; that is our priority,” Steve emphasizes. “Personal and professional hard work compels us to focus on the needs of our clients in all ways, to keep to our word, and to learn what is changing in mortgages and the market.”
The team is particularly excited about offering an accurate, efficient and modern streamlined process. “With our Same Day Mortgage approval via our app or a digital application, we have been able to take multiple files from start to clear to close in under ten days,” Steve notes.
The most rewarding part of their work? “To witness the joy of someone who earned the keys to their new home in North Idaho,” the team agrees.
All The Steve Novotny Team members grew up in North Idaho or have lived here most of their lives. They are deeply connected to the community, enjoying local activities such as skiing, water sports, mountain biking, camping, hiking and more. Their love for the area and its people is evident in their involvement with local organizations and support for those who serve and enrich the community.
The Steve Novotny Team at Rate is not just a top Idaho lender in Sandpoint and Coeur d'Alene, according to MMI (Mortgage Market Intelligence); they are a dedicated team of professionals who truly care about their clients and their community, striving to make every home financing experience exceptional.
Rate
The Steve Novotny Team
Team members:
Steve Novotny- VP of Mortgage Lending, NMLS# 376423
Lance Novotny- VP of Mortgage Lending, NMLS# 1579690
Kim Fisbeck- VP of Mortgage Lending, NMLS# 1095031
Kori Wolff- Business Development Coordinator
Luann Warren- Mortgage Consultant
208.771.3674
Equal Housing Lender | © 2024 Guaranteed Rate, Inc. D/B/A Rate | NMLS ID 2611 | NMLS Consumer Access | Licensing Information | ID - TAO
Guaranteed Rate, Inc. D/B/A Rate; NMLS #2611; 3940 N Ravenswood, Chicago, IL 60613; 866-934-7283. For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply. Applicant subject to credit and underwriting approval. Restrictions apply. <Rate> has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency. <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. Self-employed borrowers are not eligible. 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. For more information visit rate.com/heloc.
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