Christy Silva

Senior Mortgage Advisor

NMLS: 253868

California: 951-265-0860

Idaho: 208-471-4792

christy@treasurevalleymortgage.com

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What is a Limited Cash-Out Refinance?

What is a Limited Cash-Out Refinance?

Nov 11, 2026

Learn how a limited cash-out refinance works, including cash limits, eligibility, costs, and when it may fit mortgage goals.

How Long Does It Take to Sell a Home? A Practical Timeline

How Long Does It Take to Sell a Home? A Practical Timeline

Nov 04, 2026

Selling a home takes preparation, market time, and closing. Learn the timeline factors that can speed up or slow down

VA Non-Allowable Fees: What Veterans Should Know

VA Non-Allowable Fees: What Veterans Should Know

Oct 28, 2026

Learn which VA loan fees veterans cannot be charged, how the 1% rule works, and where closing cost savings can add up.

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

5.0

48 reviews

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Christy was fantastic to work with throughout the entire loan process. This is the second time I've used her, and once again she exceeded my expectati ...

Christy was fantastic to work with throughout the entire loan process. This is the second time I've used her, and once again she exceeded my expectations. She was knowledgeable, responsive, and always willing to answer my questions. She made what could have been a stressful experience feel simple and straightforward. I truly appreciated her professionalism, dedication, and attention to detail. I would highly recommend Christy to anyone looking for a loan broker and would gladly work with her again in the future.

2 weeks ago

Posted on Google

Working with Christy was great! The transaction was so smooth and easy. I appreciate the follow through and getting it done quickly. No hiccups. Good ...

Working with Christy was great! The transaction was so smooth and easy. I appreciate the follow through and getting it done quickly. No hiccups. Good Job!

Diane Gallagher

2 weeks ago

Posted on Google

I honestly cannot say enough wonderful things about Christy. She went above and beyond in helping me secure a loan and purchase my very first home. My ...

I honestly cannot say enough wonderful things about Christy. She went above and beyond in helping me secure a loan and purchase my very first home. My husband unexpectedly passed away at just 50 years old, and navigating life without him has been one of the hardest things I have ever had to do. We had never owned a home together, so the opportunity to purchase my own condo after such a heartbreaking loss has been an incredibly meaningful and emotional accomplishment for me.

Christy went above and beyond every step of the way to help make this happen. She worked tirelessly, was always there to answer my questions, and did everything she could to help me cross the finish line. Thanks to her hard work and dedication, I was able to close escrow in just 21 days! I truly don't know how I could have done it without her.

What makes this even more special is that Christy went to high school with my husband. Knowing that connection made this experience feel even more personal to me. At a time when taking this big step on my own felt overwhelming, Christy helped make the process smoother and gave me one less thing to worry about.

This condo represents so much more than just buying a home. It represents a new chapter in my life, a sense of accomplishment, and the ability to take this big step forward after experiencing such a tremendous loss. I will always be grateful to Christy for the part she played in helping me make it happen.

If you are looking for a lender who genuinely cares, works incredibly hard, and goes the extra mile for her clients, I wholeheartedly recommend Christy. She didn't just help me get a loan; she helped me accomplish something that means the world to me. Thank you, Christy, from the bottom of my heart! ❤️

3 weeks ago

Posted on Google

Christy was extremely helpful in obtaining our loan and answering the many questions we had. Very responsive! Highly recommend.

Christy was extremely helpful in obtaining our loan and answering the many questions we had. Very responsive! Highly recommend.

2 months ago

Posted on Google

Christy was so awesome to work with! She made the process so easy & enjoyable! Would recommend her to anyone looking to buy/refinance!

Christy was so awesome to work with! She made the process so easy & enjoyable! Would recommend her to anyone looking to buy/refinance!

Jenna Armstrong

2 months ago

Posted on Google

We are so happy that we worked Christy when we purchased our house. Her communication was stellar, she was very helpful, everything went very smoothly ...

We are so happy that we worked Christy when we purchased our house. Her communication was stellar, she was very helpful, everything went very smoothly, and she got us a better rate than what we originally thought we could get! She’s a pro and we highly recommend her.

3 months ago

Posted on Google

Christy was absolutely wonderful through our entire home buying process! My husband and I are both veterans and were using a VA loan, and amidst selli ...

Christy was absolutely wonderful through our entire home buying process! My husband and I are both veterans and were using a VA loan, and amidst selling our other house, we had a minor hiccup that impacted our purchase. But every step of the way, Christy was on top of it! She made everything so easy! Definitely recommend.

3 months ago

Posted on Google

Excellent service. Worked quickly with the situation we were in.

Excellent service. Worked quickly with the situation we were in.

4 months ago

Posted on Google

Christy was outstanding, made us feel at ease, and made the home buying process a breeze. We will definitely work with her in the future and will abs ...

Christy was outstanding, made us feel at ease, and made the home buying process a breeze. We will definitely work with her in the future and will absolutely recommend!

Rick Cartwright

6 months ago

Posted on Google

Christy was amazing to work with. Made the process super easy, was more responsive than I could reasonably expected and even helped out on weekends!

Christy was amazing to work with. Made the process super easy, was more responsive than I could reasonably expected and even helped out on weekends!

6 months ago

Posted on Google

We recently purchased a new home and had Christy Silva with Treasure Valley Mortgage help guide us through the financial side of the journey. Christy ...

We recently purchased a new home and had Christy Silva with Treasure Valley Mortgage help guide us through the financial side of the journey. Christy was amazing to work with and provided us with guidnace and support throughout the process. I highly recommend Christy for anybody going through the process.

6 months ago

Posted on Google

10 out of 10 thank you

10 out of 10 thank you

6 months ago

Posted on Google

I had such a great experience working with Christy at Treasure Valley Mortgage. As a first-time homebuyer, I didn’t always know what to expect, but Ch ...

I had such a great experience working with Christy at Treasure Valley Mortgage. As a first-time homebuyer, I didn’t always know what to expect, but Christy made the entire process feel so much less overwhelming. She answered all of my questions thoroughly, was always quick to respond, and made herself available whenever I needed help. Her communication and support gave me a lot of confidence throughout the process, and I always felt like I was in good hands. I’d absolutely recommend her to anyone looking for a mortgage broker!

7 months ago

Posted on Google

What a pleasure to work with Christy! Always clear and quick communication with no questions unanswered. As for the entire process I could not have as ...

What a pleasure to work with Christy! Always clear and quick communication with no questions unanswered. As for the entire process I could not have asked for a smoother experience.

7 months ago

Posted on Google

Everything went very smooth, great transaction. Kept me up to date on everything.

Everything went very smooth, great transaction. Kept me up to date on everything.

Dean Blackwelder

7 months ago

Posted on Google

Christy did a great job of walking us through the loan process. She is very professional, informative, and definitely looking to get you the best loan ...

Christy did a great job of walking us through the loan process. She is very professional, informative, and definitely looking to get you the best loan possible. Will definitely be reaching out to her again when we need other loans taken care of.

8 months ago

Posted on Google

Christy provided exceptional support from our initial introduction through the entire process. She was consistently prompt in her communication and en ...

Christy provided exceptional support from our initial introduction through the entire process. She was consistently prompt in her communication and ensured I had all the necessary information and resources to move forward with confidence. I would gladly work with her again and highly recommend her to others seeking a knowledgeable and reliable professional.

Jack Sunderland

8 months ago

Posted on Google

Christy is incredibly friendly and professional. She genuinely supported me throughout the past 10 months. I could rebuild my credit score after getti ...

Christy is incredibly friendly and professional. She genuinely supported me throughout the past 10 months. I could rebuild my credit score after getting my new SSN (because of some unbelievable event) and eventually get a loan with her help.

8 months ago

Posted on Google

Christy was amazing! Super knowledgeable, responsive, and made our entire mortgage process smooth and stress-free. Got us a great rate and explained e ...

Christy was amazing! Super knowledgeable, responsive, and made our entire mortgage process smooth and stress-free. Got us a great rate and explained everything clearly. 5 stars—highly recommend!

8 months ago

Posted on Google

We highly recommend Christy Silva, Senior Loan Officer of Treasure Vally Mortgage! Being from out of state we were nervous about not knowing anyone wh ...

We highly recommend Christy Silva, Senior Loan Officer of Treasure Vally Mortgage! Being from out of state we were nervous about not knowing anyone while seeking financing for our new home. Our Realtor, Amy Bradshaw, spoke very highly of Christy and introduced us. What a blessing, she made the entire process go very smoothly, even came in less than the estimated cost that we had expected. She also explained to us about the right time to lock in our loan and quickly responded to all our many questions. And… we ended up with a lower interest rate then we had hoped for!

9 months ago

Posted on Google

Buying a home felt effortless thanks to Christy! She was amazing from start to finish. She explained every step clearly, very responsive, and made the ...

Buying a home felt effortless thanks to Christy! She was amazing from start to finish. She explained every step clearly, very responsive, and made the entire process feel smooth and stress-free. She was extremely helpful with all of our first time home buyer questions with great details, and we always felt supported. We truly couldn’t have asked for a better experience.

Mariana Espinoza

9 months ago

Posted on Google

Christy did an awesome job helping us get into our new home! She was very detailed with her numbers and answered all of my frequent questions along th ...

Christy did an awesome job helping us get into our new home! She was very detailed with her numbers and answered all of my frequent questions along the way! She even ended up saving us money when it came time to close. We are thankful for you and your help getting us into our dream home!

10 months ago

Posted on Google

Christy did a fantastic job for my clients! She was available early and late in the day and weekends to answer any questions they had and run scenario ...

Christy did a fantastic job for my clients! She was available early and late in the day and weekends to answer any questions they had and run scenarios. She also succesfully helped with foreign funds for down payment. She made the whole process from qualifying to closing easy! Thank you !

Aldric Angelier

10 months ago

Posted on Google

Christy was absolutely amazing! It was me and my girlfriends first time buying a home and she made the process way less scary and way more exciting an ...

Christy was absolutely amazing! It was me and my girlfriends first time buying a home and she made the process way less scary and way more exciting and fun as well as educating us at the same time! 10/10 would recommend!!!!

1 year ago

Posted on Google

Christy was so helpful throughout our home buying process. She made us feel like a priority, worked with our timeline, and was so patient with us as w ...

Christy was so helpful throughout our home buying process. She made us feel like a priority, worked with our timeline, and was so patient with us as we navigated this new adventure. Thank you!

Isabelle Butler

1 year ago

Posted on Google

My experience with Christy was absolutely fantastic! As a first time home buyer she made things extremely simple to understand and laid out everything ...

My experience with Christy was absolutely fantastic! As a first time home buyer she made things extremely simple to understand and laid out everything step by step for the process. She went above and beyond to make sure I got the best deal I possibly could and was very responsive to my 50 questions. Highly recommend her to anyone looking for a mortgage loan!

1 year ago

Posted on Google

Christy and her communication were top notch. The process was efficient, professional, timely, and as simple as these transactions can possibly be. W ...

Christy and her communication were top notch. The process was efficient, professional, timely, and as simple as these transactions can possibly be. Will use Christy and team again!

1 year ago

Posted on Google

Christy helped me to get into my first home. She took the time to answer all of my questions and made me feel comfortable during every step. I highly ...

Christy helped me to get into my first home. She took the time to answer all of my questions and made me feel comfortable during every step. I highly recommend her for anyone.

1 year ago

Posted on Google

I cannot imagine the mortgage process going any better! Christy was informative, communicative, proactive & transparent. I will use her again and hi ...

I cannot imagine the mortgage process going any better! Christy was informative, communicative, proactive & transparent. I will use her again and highly suggest utilizing her very professional services as well.

1 year ago

Posted on Google

Christy made the home buying process so easy for us. Great communication and super friendly. We are so grateful to have had Christy assist us through ...

Christy made the home buying process so easy for us. Great communication and super friendly. We are so grateful to have had Christy assist us through this life changing process. Thank you Christy!

1 year ago

Posted on Google

Christy is amazing to work with! Proactive and very easy to communicate with. Explained everything in great detail and answered all questions clearly. ...

Christy is amazing to work with! Proactive and very easy to communicate with. Explained everything in great detail and answered all questions clearly. Would work with her again and recommend to anyone

2 years ago

Posted on Google

Wonderful hands-on broker and super responsive and informative— highly recommend! Thank you for everything Christy!

Wonderful hands-on broker and super responsive and informative— highly recommend! Thank you for everything Christy!

2 years ago

Posted on Google

We have had the pleasure of working with Christy on two separate occasions. She listens and finds exactly the best options available and takes the wor ...

We have had the pleasure of working with Christy on two separate occasions. She listens and finds exactly the best options available and takes the worry out of the mortgage process. She is friendly and communicates consistently. Her knowledge of the industry put us at ease, and we look forward to working with her again in the future. Thank you, Christy!

Jesse Marquette

2 years ago

Posted on Google

Christy is a true rockstar of a Loan Officer! Not only did work around the clock to make sure we were kept up to date and Informed of any changes- but ...

Christy is a true rockstar of a Loan Officer! Not only did work around the clock to make sure we were kept up to date and Informed of any changes- but she was able to secure an interest rate that we didn’t think was obtainable in todays market! She is so knowledgeable and reviewed all options with us and answered all our questions. She was always available to us whenever we needed her, and even brought us the sweetest housewarming gift. I would recommend Christy to ANYONE looking to buy/sell or refinance. She is just a powerhouse to work with and we just can’t thank her enough!

2 years ago

Posted on Google

Christy went above and beyond for us to get our new home closed in just 3 weeks! She was very helpful and communicative, and she even got us a much lo ...

Christy went above and beyond for us to get our new home closed in just 3 weeks! She was very helpful and communicative, and she even got us a much lower rate than we ever imagined we could get! She also helped our extended family close their loan a few weeks just before ours, and they were equally happy with her service! She is very knowledgeable and professional and great to work with! Highly recommend!

2 years ago

Posted on Google

We could not have asked for more from Christy. As a first time home buyer I had a lot of questions throughout the process and she was always able to c ...

We could not have asked for more from Christy. As a first time home buyer I had a lot of questions throughout the process and she was always able to clearly explain things to me. Getting a loan in an increasing interest rate environment was a tough task but Christy stayed on top of things and locked us in with perfect timing to get what I believe was the best rate possible. The process was very smooth; I would definitely recommend her and would use her services again in the future.

3 years ago

Posted on Google

100/10 recommend working with Christy Silva! She made the process so easy to understand and streamlined every step. All of the first time buyer stress ...

100/10 recommend working with Christy Silva! She made the process so easy to understand and streamlined every step. All of the first time buyer stress was put to ease knowing I was in capable hands.

3 years ago

Posted on Google

Christy Silva is super helpful and made starting the loan process easy and understandable for a new homeowner. She is very knowledgeable and is easy t ...

Christy Silva is super helpful and made starting the loan process easy and understandable for a new homeowner. She is very knowledgeable and is easy to talk to about any questions or concerns that were brought up during and after the home buying process.

3 years ago

Posted on Google

Hi, Just wanted to Thank Christy for everything!!! She started off with a welcoming introduction (lots of energy, with facts). She followed through f ...

Hi, Just wanted to Thank Christy for everything!!! She started off with a welcoming introduction (lots of energy, with facts). She followed through from beginning to end to make the Escrow process smooth including an obstacle that was immediately worked out in favor of our Buyers......and she did while being out of state. I would feel more than confident working with Christy over & over. Respectfully, Perry Abourisk California Real Estate Agent since 1987

3 years ago

Posted on Google

Treasure Valley Mortgage is amazing to work with! I will forever recommend them to my friends and family. Top notch client service! If you are looking ...

Treasure Valley Mortgage is amazing to work with! I will forever recommend them to my friends and family. Top notch client service! If you are looking for to get in your dream home quickly and easily, give them a call!!

Felicia Kennedy

3 years ago

Posted on Google

Simply put...Christy is a "Rockstar"! She made securing my new home financing extremely easy. She was very informative with the entire process and a ...

Simply put...Christy is a "Rockstar"! She made securing my new home financing extremely easy. She was very informative with the entire process and always communicated with every step along the way. I would highly recommend Christy to anyone who's looking to secure financing for their new home.

3 years ago

Posted on Google

Christy is absolutely the best at what she does!! Christy has helped me with numerous transactions over many years and with each one, her expertise, f ...

Christy is absolutely the best at what she does!! Christy has helped me with numerous transactions over many years and with each one, her expertise, follow up, and strategic thinking has been stellar! Her extensive knowledge and access to many different programs to match your current situation is such a plus. You just can’t get that level of service, value, and experience anywhere. I have referred Christy to friends and family and she always takes amazing care of them. I would highly recommend Christy and her business for all your loan needs! As mentioned, she is the best!!

4 years ago

Posted on Google

Christy was a great help throughout the whole loan process! She kept me informed on any changes or updates and answered all questions I had. Definitel ...

Christy was a great help throughout the whole loan process! She kept me informed on any changes or updates and answered all questions I had. Definitely recommend her for anyone needing help from a loan officer.

4 years ago

Posted on Google

I worked with Christy on my refinance and it was the quickest I have ever experienced. She was very easy to reach and responded quickly to all of my q ...

I worked with Christy on my refinance and it was the quickest I have ever experienced. She was very easy to reach and responded quickly to all of my questions and concerns. She put me at ease and got the job done in record time and best of all was able to save me a considerable amount of money. I highly recommend Christy Silva and Miller Financial.

5 years ago

Posted on Google

Christy Silva is an amazing mortgage broker! She answered all our questions and reworked our file with different ideas to find the perfect product for ...

Christy Silva is an amazing mortgage broker! She answered all our questions and reworked our file with different ideas to find the perfect product for us. She is attentive, professional, and efficient. You are in good hands with Christy.

5 years ago

Posted on Google

Christy is a great loan officer who partners with us here at homepoint! She is very good at helping her borrowers get a great loan on their home! I a ...

Christy is a great loan officer who partners with us here at homepoint! She is very good at helping her borrowers get a great loan on their home! I am grateful to have her work with me!

5 years ago

Posted on Google