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We offer a variety of loans. Use our Secure Loan Application and Secure Document Upload Portal to apply for a loan. Click here to get started!


Our experienced professionals offer superior quality support throughout the entire experience. Contact us today and let us go to work for you!


Here at Lake City Mortgage, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

The only mortgage company I will recommend is Lake City Mortgage and the only Loan Officer is Peter Sweeney. He took the time to understand our very particular needs and arranged for our out of town signing that occurred on my lunch break. I am a rate shopper and Lake City Mortgage was better than the competition by .375 on the rate. Their team was just amazing …thanks for your help

Tony B

I worked with Peter and Mel to help us buy a home and the ease of communication was refreshing. We had refinanced our home in California with a local bank and the entire process was a nightmare. Peter was informative and explained the process that allowed us to know exactly what to expect…then he did it. Mel is such a personable and amazing person we have become pretty good friends. She helped us finish out the loan process and answer the underwriter’s conditions. She is such a valuable asset and we really are thankful to have been able to work with her. We refer as many people as we can to her.

Jim R

We were seeking to buy a lake home in the area as a second home. We live in Rathdrum and we found a found a lake cabin on Twin Lakes. We were told by 3 different local lenders / banks that we could not buy a second home in the same city that we own our primary residence. Peter was the only person that said we could buy our cabin on the lake. Then I compared his rates and found him to have a lower rate than other local lenders and lower fees. The best part is that he delivered on what he said and we goy=t to enjoy the summer on the Lake. I highly recommend Peter and Mel and the entire team at Lake City Mortgage.

Michael J

After being turned down by a local Idaho Bank we called Peter and asked him to help us get a loan to pay off our construction loan. Peter was able to do what they were not. We referred our mother to Peter and he got up at 2 am to call Scotland on her behalf. I can’t say enough about the extra efforts that Peter and Mel took to make sure our families were able to achieve our goals. Local Banks said no …Peter got it done. I am still blown away that he called Scotland at 2 am. Thanks again Peter.

Mark & Amy

We wanted to buy a home but did not have enough for a down payment. Peter found us a loan that only required 1% down and then the lender gave us another 2%. I was amazed that there are loans like that out there. Peter cleared several issues out of the way during the loan process and we funded our loan on time. We have recommended family and friends and again are very thankful for all the help and guidance that Peter and Mel gave us during the process.

Sam & Katy

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Get Your Personalized Reverse Mortgage Proposal Today!

Ready to learn more about reverse mortgages or curious about how much money you would be eligible for?

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Conventional Loans

Conventional loans have better rates, terms and/or lower fees than other types of loans, ideal for borrowers with excellent credit and at least a 5% down payment.

0% Down Loans

Both Idaho and Washington offer exceptional home loan products for as little as 0% down. USDA loans are available in the vast majority of both states and are great programs for first time home buyers.

Reverse Mortgages

Reverse Mortgages are an amazing tool for many seniors looking to stay in their homes. Eliminate your mortgage payments and increase your cash flow today.

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