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
Working with my Karl was a great experience from start to finish. He was extremely prompt with responses, always gave honest and straightforward advice, and maintained a friendly, approachable attitude throughout the process. I always felt...
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Reply from Karl Bowcutt
March 3rd, 2026 04:15 PM
Mikal, I'm really glad to hear that your experience working with me was positive. Providing honest and straightforward advice, while maintaining prompt communication, is always my aim. I'm pleased that you felt informed and confident during...
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Everything
Reply from Karl Bowcutt
February 24th, 2026 04:16 PM
I appreciate your positive feedback, Jacob. Hearing that you're satisfied with all aspects of our service is encouraging. Thank you for taking the time to share your experience!
Karl and his team made it a smooth and fast refinance.
Reply from Karl Bowcutt
February 23rd, 2026 06:41 PM
It's great to hear that the refinance process was smooth and quick for you, Camille. Making these experiences seamless is very important to me. Thank you for your feedback.
Karl and his team Crushed it! They communcated cleary and timely and I can't wait to use them again soon!!
Reply from Karl Bowcutt
February 23rd, 2026 03:43 PM
I appreciate your enthusiastic feedback, Joe. I'm glad to know that you found the communication clear and timely. It's always my goal to provide such quality service. I look forward to the opportunity to assist you again in the future!
Communication skills are great! answered all questions I had professionall.
Reply from Karl Bowcutt
February 19th, 2026 01:40 PM
I'm happy to hear that my communication skills met your expectations, Sebastian. Being able to answer all your questions professionally is something I strive for. Thank you for your kind words.
The process was easy and came together faster than expected.
Reply from Karl Bowcutt
January 20th, 2026 03:27 PM
I'm pleased to hear that the process felt easy and progressed quickly for you, Daniel. Ensuring a seamless and efficient experience is always my goal. Thank you for sharing your thoughts.
They had a lot a patience with everything
Reply from Karl Bowcutt
January 15th, 2026 03:49 PM
Joanna, I’m glad to hear that you found my patience helpful during the process. It's important to me that my clients feel supported and understood, no matter the challenges. Thank you for your feedback.
Moved things along quick so we could close early!
Reply from Karl Bowcutt
January 1st, 2026 04:29 PM
Glad to hear we were able to expedite things so you could close early! It's important to me to keep the process efficient and on track. Thank you for your feedback.
Karl was ALWAYS there to answer questions. He was patient and very kind. Timmery was always very sweet and a wealth of answers. They know their business and they make it very easy to work with them. Next time I buy a house I'm going go to through...
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Reply from Karl Bowcutt
December 26th, 2025 05:32 PM
Thank you for your thoughtful review, Ethan. I’m glad to hear that my support, as well as Timmery's, made a positive impact on your experience. It’s important to me that you felt well-assisted and comfortable throughout the process. Knowing...
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As a first-time home buyer, I didn’t fully understand the process, but Karl was amazing. He walked me through each step clearly and helped me calculate our mortgage, which made me feel so much more confident and at ease. I truly appreciate...
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Reply from Karl Bowcutt
December 11th, 2025 09:39 PM
I'm really pleased to hear that my guidance was helpful to you as a first-time home buyer, LynDee. I understand how important it is to feel confident and informed during such a significant process. It was my pleasure to walk you through each...
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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
