Innovative
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Responsive
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Determined
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Approachable
Are You Ready for Something Different?
We are Your Home Loan Brokers. We cut out the middleman to better serve you!
Steve Jobs was fond of saying “The People Who Are Crazy Enough To Think They Can Change the World Are The Ones Who Do.”
We started Chem Financial with a really strange name and a really crazy idea. An idea that said the time had come to completely rearrange the priorities of the modern-day mortgage company.
An idea that utilized the most advanced modalities and married them to perspective, innovation, responsiveness, and honesty as the basis for everything we do.
An idea that produced programs like our exclusive Loan Lab™ that’s purpose-designed to make financing your home more affordable and buying it less terrifying.
Are You Ready For Something Different?
Discover the Chem Financial difference—where innovation meets integrity and your goals come first.
Carla Durheim
Founder | Home Loan Broker
Maddog mike hobbs
Founder | Home Loan Broker
kelli ross
Founder | Director of Production
our Chemistry = Great Relationships
Our chemistry defines our virtues manifest in the importance of providing you with a sense of belonging to community, family, security, and the camaraderie of friends. Our culture to relentlessly fight for your right to home ownership is fueled by our passion and heritage of winning. We are your voice, speaking out in word and deed, to provide superior home financing solutions for you and your family.
Check Out Loan Lab™
A unique product that supports agent success and enhances home buying and refinancing experiences through competitive pricing, effective negotiation, and peace of mind.
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Diverse Mortgage Solutions
Including fixed and adjustable-rate mortgages, home equity loans, FHA/VA loans, reverse mortgages, and more. We cater to your specific needs and scenarios.
Our Core Values
The Founders of Chem Financial realized the mortgage industry needed a major shift—not just in terms of technology or products, but in the very way it approached customer relationships. The focus on “perspective, innovation, responsiveness, and honesty” signals a commitment to building trust and offering transparency in a space that can often feel opaque and intimidating.
Our Loan Chemists experience spans over 150 years in real estate, legal and mortgage
Serving Spokane, Coeur d’Alene, & 43 states across the country
Our Guiding Mission
To remain the first and only mortgage company in the country to provide a product that’s purpose designed to make financing your home more affordable and buying it less terrifying.
Maintaining superior benefits like Loan Lab™, reinforce the idea we don’t just aim to sell mortgages; we’ve created a better, more affordable experience, making home financing less daunting and more accessible. We recognized the industry had become complacent or overly complex, and what with the right mindset, tools, and customer-first approach…a new kind of mortgage company could emerge—one that blends the latest technologies with a deep sense of empathy and commitment to helping people achieve their homeownership goals.
Chem Financial… After all, It’s What You Really Want.
100’s of Mortgage Programs to Choose From:
Chem Financial Manufactures Your Home Loan Better Than Anyone Else
- Fixed & ADJUSTABLE RATE LOANS
- Home Equity Line of Credit Loans
- FHA & VA Loans
- Reverse Mortgages Done Right
- Renovation Purchases & Refinances
- Inexpensive Bridge Loans
- RECASTING (Lower your payment without refinancing)
- BUY-DOWNS (to save you money at year 1, 5, 15 & beyond)
- Investment Financing
- SFR, Manufactured, Multi-Family, etc.
Chem Financial 