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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Karl was super helpful and informative to any and all questions we had through the process. And helped make us feel at
Reply from Karl Bowcutt
October 15th, 2026 05:09 PM
I'm glad to know that I could provide the information and support you needed, Erik. At Highlands Residential Mortgage, Ltd., I strive to make the process as smooth and reassuring as possible. Thank you for your feedback.
Karl was really easy to contact anytime we had questions or concerns and he got back to us within minutes almost every time!
Reply from Karl Bowcutt
October 14th, 2026 03:58 PM
I'm pleased to hear that I was able to provide quick responses to your questions and concerns, Andrew. Ensuring timely communication is important to me, and I'm glad it made your experience with Highlands Residential Mortgage, Ltd. a positive...
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The communication , quick response, and explaining things to me.
Reply from Karl Bowcutt
October 14th, 2026 03:38 PM
I'm glad to hear that you appreciated the communication and quick responses, Kylee. At Highlands Residential Mortgage, Ltd., I aim to ensure everything is clear and straightforward for my clients. Thank you for your feedback.
Quick responder
Great communication
Reply from Karl Bowcutt
August 31st, 2026 12:40 PM
I'm grateful for your kind words, Rueben. It's good to know that the communication and responsiveness met your expectations. Thank you for sharing your experience!
Communication was very straightforward and easy with Karl. He helped us get a good rate for our mortgage and the process was painless.
Reply from Karl Bowcutt
July 23rd, 2026 06:08 PM
I'm happy to know that the communication was straightforward and easy, Luke. It's great to hear that I could help you secure a good rate and make the process painless. Thank you for your kind words!
Everyone on the team worked so hard to help us get what we needed submitted for the loan. The process went smoothly, and we could contact the team very easily.
Reply from Karl Bowcutt
July 20th, 2026 04:42 PM
I'm pleased to hear that the process went smoothly for you, Gabrielle. It's nice to know that you found it easy to contact the team and get the support you needed. Thank you for sharing your experience with us!
Communication was great & experience was amazing
Reply from Karl Bowcutt
July 13th, 2026 01:39 PM
I'm grateful for your positive feedback, Savannah. It's great to know that the communication and overall experience met your expectations. Thank you for taking the time to share your thoughts!
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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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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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
