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good afternoon this is trey with build Idaho calm and today I wanted to talk about a new series we're starting this is Jim crotty in quarry Lanterman there with home street bank and we've developed a new series called word on the street obviously referencing home street bank but jim and i've been working in quarry for about a month on this project but we're going to start going around and introducing builders and different facets of the new construction industry but I guess first I want Jim to kind of introduce who you are and and what home street bank is all about yeah absolutely so home street banks been in business for 92 years now we recently opened our office here in the Boise Idaho market last februari and we're excited to bring home street brand back to the marketplace what we're most excited about in the market today is our ability to truly be a cradle-to-grave lending partner for not only our builders but our customers out there whether they're looking to have you know their home built and finance on their own we can certainly help them we also Corey's department has the ability to finance builders and their business activities so whether you want to have a home built or you want to buy a home that's already been built we've got solutions for it nice Corey is experienced in the Builder world and development world and land and so tell me about your job and really what you specialize in for builders well home free bank is really a builder focused mortgage lender like Jim said we have all the products available to help consumers with purchasing newly constructed houses are actually financing the houses themselves and then what I primarily do is work with the builders and developers actually provide the financing to them to build the houses now we're going to your phone should be ringing because Boise is on fire they're going to be a ton of subdivisions coming online the next six months what should builders and developers know in terms of financing in today's world 2013 as opposed to crazy times well I think first of all banks are lending money contrary to popular belief but but basically we you know coming through the hard times that we did we're definitely a little more conservative than we were before and it's really it's a commercial loan it's a business loan so we're looking to lend money to viable businesses that can actually pay us back makes sense makes sense we'd like to have you stay tuned with us over the coming months we're going to be doing different builders different communities different homes and if you're looking to learn more about new construction here in Boise Idaho please stay tuned