Karl Bowcutt
Branch Manager | NMLS# 22350
Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture...... Show More
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Reviews from Web
The whole process was swift and professional.
Reply from Karl Bowcutt
July 6th, 2026 01:27 PM
I'm glad to hear that the process was swift and professional for you, Zackery. Ensuring efficiency and professionalism is always a priority for me. Thank you for sharing your experience.
Karl was awesome to work with when we refinanced our house, I recommend him to anyone looking to buy or refinance a house! Great guy!
This was my husband and I's first time purchasing a home and Karl was such a great person to work with. He was always available and made sure to communicate clear and promptly when something needed to be done. Also the app that they have you...
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Reply from Karl Bowcutt
July 1st, 2026 06:19 PM
I'm glad to hear that your first home-buying experience went so smoothly, Riley. It's important to me to provide clear and prompt communication, and I'm pleased that the app was helpful in making the process easier for you. Thank you for choosing...
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Answered all my questions with no hessitation and explained everything in detail.
Reply from Karl Bowcutt
July 1st, 2026 06:20 PM
I'm grateful for your feedback, Savannah. It's important to me that all your questions were answered clearly and thoroughly. Thank you for trusting me to guide you through the process.
and his team were absolutely great to deal with. I have been dealing with Highlands residential mortgage now for quite a few years. Karl and his team are my go to every time I'm purchasing or refinancing one of my properties. are very knowledgeable...
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Reply from Karl Bowcutt
June 18th, 2026 05:52 PM
Michael, I'm grateful for your continued trust in me and my team at Highlands Residential Mortgage over the years. It's wonderful to know that our knowledge and approach have consistently met your expectations during your property transactions....
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Karl has helped us with two mortgages loans in the last two years and has saved us ALOT of money! He has helped navigate closing on a loan internationally and guided us through changing loans so we can save! Thanks Karl! You are amazing!
Reply from Karl Bowcutt
June 18th, 2026 05:51 PM
I'm grateful for your trust and for allowing me to assist with your mortgage loans, Colette. It's wonderful to know that I could help you save money and navigate the complexities of international closing. Your kind words mean a lot to me, and...
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Karl was a very caring and thoughtful person! Very knowledgeabl and giving great advice!
Reply from Karl Bowcutt
April 20th, 2026 03:15 PM
Thank you, Adrian, for your kind words. I'm glad to hear that you found my advice helpful and appreciated the care and thoughtfulness I strive to provide. Your feedback is truly valued.
Karl is always very quick to reply. He made sure we got the best deal.
Reply from Karl Bowcutt
April 20th, 2026 03:15 PM
I'm glad to know that my prompt responses and efforts to secure the best deal were helpful to you, Kory. It's great to hear that you had a positive experience. Thank you for your feedback!
Communication was outstanding and he made us feel like he really cared for us
Reply from Karl Bowcutt
April 20th, 2026 03:15 PM
I'm grateful for your kind words, Thomas. It means a lot to know that you felt cared for and that my communication met your expectations. Thank you for trusting me with your needs.
Karl's communication, understanding and patience made everything so much better during our home buying process. He truly cares for his clients and goes above and beyond. 10/10 service
Reply from Karl Bowcutt
April 16th, 2026 04:30 PM
Thank you for your kind words, Alyssa. I'm glad to hear that my communication, understanding, and patience made a positive difference in your home-buying process. It's always my goal to go above and beyond for my clients. Your feedback is greatly...
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About
Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that the customer comes first! We believe Highlands is such a place. Our Mission to value people drives everything we do.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Mortgage Loan Officer
VA loan officer
FHA loan officer
USDA loan officer
Idaho Housing loan officer
Mortgage Lending
FHA Loans
VA Loans
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Search Rank ScoreLearn More →
353
/850
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Memberships
- Member WCR
- Certified Mortgage Adviser MBS Highway
- Licensed in state of Idaho
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS# 22350
Awards
Achievements
- Loan Officer of the Year 2010
- Outstanding customer service 2009
- Presidents club winner 2021-2023
Hobbies
- I Enjoy spending time with my family. I have 8 boys that keep me very busy! Sports play a big role in my life.
- outdoors
- sports
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Disclaimer
