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Joel Botker, Loan Advisor

Loan Advisor

Joel Botker

NMLS #101325

Loan Advisor • Coeur d' Alene Branch

Cell: 208.765.5626
Licensed in ID & WA

About Joel


Joel began his career as a real estate agent in Minneapolis, MN. A few years later, he moved into the mortgage end of home ownership, working for a friend. After moving to Coeur d’Alene, Idaho in 1992, he continued to work as a loan officer, becoming the broker of his own company in 1996. As owner, manager, and loan officer, he was able to keep a good pulse on the industry as it changed with the economy.

Having a  degree in accounting and a background in real estate has helped Joel be fluent in all aspects of the mortgage process making him able to better understand both sides of the loan process and to communicate with his clients and realtors about the process. Joel is licensed with the Nationwide Mortgage Licensing System and in the states of Washington and Idaho. His specialty is loan analysis and problem solving, which enables him to find the loan product that fit each clients’ specific needs, whether that is a home purchase, refinancing or investment properties.

Joel lives in beautiful Hayden, Idaho with his wife Karen, and his father in law. They have two grown children and three grandchildren. During his spare time Joel enjoys walking, hanging out with family, playing games and home improvement projects.


Branch Address: 1110 W Park Place Suite 208 Coeur d Alene ID 83814

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog