Finding a Mortgage

Audrey D'Orazio Group-Gold Financial

Audrey D'Orazio with Gold Financial has been selected as our Preferred Lender because in our opinion, you cannot find a better person and company to assist you in your financing.  Should you choose to contact Audrey and her outstanding team, please be sure to mention that we sent you.  She has historically taken special care of our clients.


My Professional experience spans from consumer, mortgage, and financial lending to business development , marketing and entrepreneurship. I began my own mortgage business in 1997 and continue the endeavor of mortgage planning and lending to this day.

For most people, their mortgage represents their largest and most important debt obligation while their home represents their most significant asset; however, most consumers lack a plan to manage their mortgage. I am knowledgeable, insightful, “out of the box” thinker and very personable. I am a huge advocate for my clients and have a “never surrender attitude”. I am one of a rare group of mortgage planners in the nation who has invested in the technology, tools, and training necessary to deliver a comprehensive mortgage plan. I allow my clients to consider several mortgage options and then determine the strategy that best helps accomplish their goals. A properly structured mortgage plan will have a powerful impact on your overall financial health and wealth. Consumers who secure the services of a qualified mortgage planner are uniquely empowered to make solid decisions.

I have helped many clients obtain their dream of ownership when they have been advised by others that they could not obtain this dream

How much house can I afford? When evaluating how much you can afford for your home and mortgage, lenders usually use two rules of thumb:

  1. Your maximum monthly mortgage payment should not exceed 28 percent of your gross (pre-tax) income.
  2. Your maximum debt load, including your mortgage payment, should not exceed 30 percent of your gross income.

These ratios are typical of those required to secure a conventional mortgage. Lenders will be able to supply details about other types of mortgages, such as FHA or VA loans, which offer more flexible qualification standards. There are many types of mortgages and financial tools available that provide flexibility in interest rates, terms, and down payment requirements.

What’s the difference between being pre-qualified and pre-approved for a mortgage? Typically you will first pre-qualify for a mortgage, then get pre-approved before you have found the specific home you wish to purchase. What is the difference?

  • Pre-qualification: An informal determination by a lender or mortgage broker stating how much mortgage you can afford.
  • Pre-approval: A guarantee in writing by a lender to grant you a loan up to a specified amount.

What are the advantages of being pre-approved? There are two advantages of being pre-approved for a loan as early as possible in your home-buying process:

  1. Sellers will find any offer you make more attractive if you are pre-approved for a mortgage.
  2. The length of time before closing can be shorter if you’ve completed the steps to securing mortgage approval prior to signing a contract on a property.

If you have questions regarding financing a home, feel free to contact me anytime at (208) 867-8700,, or Or you can submit an online application at

IMPORTANT NOTICE:  FEDERAL LAW PROHIBITS THE PAYMENT OF REFERRAL FEES OR KICKBACKS BY MORTGAGE COMPANIES AND/OR PROFESSIONALS TO REAL ESTATE COMPANIES AND/OR PROFESSIONALS.  Section 8 of the Real Estate Settlement Procedures Act ("RESPA") and the federal regulations issued thereunder prohibit the payment of referral fees for residential loans to a person or entity that merely refers the loan to the actual lending institution.