VIP PARTNER
RATE | The Steve Novotny Team
NMLS#376423
Do you want to tap into your home’s equity with a flexible financing option? Rate – The Steve Novotny Team offers HELOCs that give you access to funds when you need them—perfect for home improvements, major expenses, or unexpected costs. Use what you need, when you need it, with confidence and expert support every step of the way.
HELOC (Home Equity Line of Credit)
Whether you're buying your first home, upgrading, downsizing, or refinancing, Rate – The Steve Novotny Team is here to guide you through the mortgage process with trusted expertise and personalized support. We offer a variety of loan options tailored to your needs—helping make your homeownership goals a reality.
Home Loans
About Our VIP
Northern Idaho is where Kim, Lance, and Steve chose to build their lives and raise their families—a place that continues to inspire their stories.
Steve and his wife, Robyn, stay busy with their two sons, Noah and Liam, enjoying travel, skiing, biking, and camping. Lance and his wife, Debbie, love hiking, reading, and cooking, and their daughters, Claire and Maile, share a passion for exploring the world. Kim and her children, Dakota and Kamee, embrace family traditions, community events, and outdoor adventures. She also enjoys golf, concerts, and crafting in the winter.
Together, the team brings over 60 years of experience in home financing, known for their integrity, hard work, and dedication to staying current in a changing market.
The Steve Novotny Team has been a top producer in North Idaho for over a decade and ranks in the top 1% of mortgage originators nationwide. Their success is rooted in genuine care for clients and partners.
Whether it’s your first home, a vacation getaway, an investment, or a refinance, they’re here to help—and honored to be part of your story.
