We’re going to help you get home

When you buy a home, you deserve access to the most affordable loan programs, guidance through the home buying process and confidence in your decisions.

Meet Gwen

Gwen Swain is your Local Mortgage Expert

Gwen understands that in this competitive market you deserve a lender who is ready and willing to work overtime to make your experience as stress-free and smooth as possible. Her team is available to work on your mortgage by phone, text, Facebook messenger, and email – even after hours and on weekends. From applying for a loan to closing on your home, they deliver five-star concierge service every step of the way.

As a top producing mortgage professional, in 2023, she was awarded “A Scotsman Guide Top Emerging Star 2023″. She also is listed as a “Top 1% Mortgage Originators in America 2023”, “A Top Originator by Mortgage Women Magazine 2022” and “Top Idaho Housing Partner of Southwest Idaho Q3 2023”.

Gwen grew up in Northern Virginia, outside of Washington, D.C., and graduated with a Bachelor of Science degree from James Madison University in 2006. She then moved to San Francisco where she lived in the Marina District until 2010 when she relocated to San Diego. In 2016, she moved to Eagle, ID with her two sons, Carter and Cameron.

She is passionate about helping first-time homebuyers and families relocating from out of state take advantage of the most affordable loan programs available today. And, as a former business owner, she has an affinity for the self-employed and knows her way around a tax return.

Gwen Swain

Team Photo

The Team Gwen Difference

Waterstone Mortgage Team

Applying for a mortgage is easy, and we are available around your schedule.

We recognize that not all applicants “fit in the box” required by your credit union or bank. We offer a Path to Buy program, which assists clients with credit score challenges obtain the minimum scores required to qualify. Our “no judgement” philosophy means we won’t tell you no, we’ll show you how! We are committed to facilitating your pre-approval so you can stop daydreaming on Zillow and start house shopping with your Realtor as quickly as possible.

Once your offer has been accepted, our team is committed to keeping you updated on the status of your loan approval every step of the way. We prioritize transparency, so you will feel confident with the financial decisions you make. We know moving can be stressful, so we want your mortgage to be one less concern on your mind.

Waterstone Mortgage

Waterstone Mortgage is a correspondent lender, offering a wide array of loan programs to best suit your goals. Zero down? We’ve got that. VA? We have some of the best rates in town. Building a custom home?Our Single Close Construction loans make the process easy and stress free. What’s more is we will shop your interest rate with many loan servicers – competing against each other to get you the lowest payment.

Explore your Financing Options

See Why Our Clients Love Team Gwen

“If one were to look up the word “Powerhouse” in the dictionary, Gwen and her team would be the singular definition. Having worked closely with Gwen and her team through my initial home loan and refinance, I can say that this team will do whatever it takes to get the job done as quickly and painlessly as possible. Don’t overthink about contacting them, just do it!”

Sam M.

Read More 5 star reviews

But I bank at a Local Credit union, shouldn’t I use them?

You could, but then you would get:

  • An institution with divided focus (car loans, credit cards, business lines of credit, checking accounts)
  • Longer turn-times and left wondering “what’s the status of my loan, are we out of underwriting, etc”
  • Inflexible banking rates
  • A penalization for low or moderate credit score
  • A lender bound by 9-5 hours
  • Mysterious “delays” with your file
  • Frustrated sellers and real estate agents

Why Team Gwen?

  • Lightning-fast approvals (16 days faster than industry standard)
  • A comparison of many rates with just one application
  • We offer programs that don’t raise your interest rate for lower credit
  • Available nights and weekends
  • We call you with information
  • We close on time. Every time.
  • We have earned the trust of our referral partners. They know we do great work and soon you will too.

waterstone mortgage employees

Added bonuses

  • When you make your offer, we will work up payments on that specific home so you know what payment you will have BEFORE you buy
  • We will be at your signing appointment on closing day to walk you through all of the paperwork you are signing
  • We will help you shop for home insurance (so you can get back to packing)
  • Our online Borrower Portal makes uploading documents fast and secure
  • We know Boise. We understand the local taxes, and have relationships with the local title companies, realtors and appraisers.
  • We aren’t going anywhere. So if you have questions a month after closing or a year, you have a local professional to turn to and trust.

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