Preferred Lending Partner of Idaho Housing!

1st Choice Mortgage provide buyers with great loans
from Idaho Housing, along with down payment assistance!

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Downpayment Assistance for 100% Financing!

Idaho Housing Home Loans

First Loan Plus (purchase)

Excellent Program for 1st time home buyers and sometimes 2nd time home buyers that offers 100% financing AND 1/2 point of closing costs being paid! 

  • 96.5% 1st Loan
  • Down Payment Assistance Available for remaining 3.5% (More Info)
  • Minimum Credit Score 620
  • First Time Home Buyer required except for Targeted Counties in Idaho
  • Seller can pay for ALL Closing Costs
  • Borrower just needs to have $500 into transaction
  • Online Home Buyer's Class Required
  • Family Income Restrictions
  • Call for Details!  (208) 375-LOAN
  • Any Idaho County

 

Preferred Low MI  (purchase OR refinance)

Conventional loan with VERY loan Mortgage Insurance for 1st time home buyers.

  • 97% 1st Loan
  • Down Payment Assistance Available for remaining 3% (More Info)
  • Click here for more Information
  • Minimum Credit Score 620
  • First Time Home Buyer Requirements
  • Seller can pay for ALL Closing Costs
  • Borrower just needs to have
  • $500 into transaction
  • Home Buyer Class required
  • Family Income Restrictions
  • Call for Details!  (208) 375-LOAN
  • Any Idaho County

 

Preferred No MI  (purchase OR refinance)

Conventional loan with NO Mortgage Insurance for 1st time and 2nd time home buyers.

  • 97% 1st Loan
  • Down Payment Assistance Available for remaining 3%  (More Info)
  • Minimum Credit Score 620
  • NO First Time Home Buyer Requirements
  • Seller can pay for ALL Closing Costs
  • Borrower just needs to have
  • $500 into the transaction
  • Home Buyer class may not be required
  • Family Income Restrictions
  • <$90,000
  • Any Idaho County

 

FHA (purchase OR refinance)

We offer GREAT FHA loans throughout Idaho for both 1st Time Home Buyers and 2nd+ Time Home Buyers!

  • 96.5% 1st Loan
  • Down Payment Assistance Available for remaining 3.5%  (More Info)
  • Minimum Credit Score 620
  • NO First Time Home Buyer Requirements
  • Seller can pay for ALL closing costs
  • Borrower just needs to have $500 into transaction
  • Home Buyer Class may not be required
  • Family Income Restrictions
  • <$90,000
  • Any Idaho County

 

Rural Development (purchase OR refinance)

RD loans throughout Idaho in qualified areas, GREAT 100% loan with VERY low mortgage insurance

  • 100% Financing
  • NO DOWNPAYMENT REQUIRED (More Info)
  • Minimum Credit Score 620
  • NO First Time Home Buyer Requirements
  • Seller can pay for ALL closing costs
  • Borrower just needs to have $500 in transaction
  • Home Buyer Class may not be required
  • Family Income Restrictions
  • Geographical Restrictions
  • Click here for Income & Geographical Information

 

Conventional Loans (purchase OR refinance)

We offer many Idaho Housing Conventional loans, 30 year, 20 year, and 15 year loans

  • 95% Financing
  • Down Payment Assistance Available for some of remaining balance  (More Info)
  • Minimum Credit Score 660
  • No First Time Home Buyer Requirements
  • Seller can pay for ALL closing costs
  • Borrower just needs to have $500 into transaction
  • Home Buyer Class may not be required
  • Family Income Restrictions
  • <$90,000
  • Any Idaho County

Let us Show You How Easy it is.

Answer a few SIMPLE Questions and experience why we are always the 1st Choice in Idaho!

Choose Your Loan TypeHow Much Would You Like to Borrow?Current Home Value OR Purchase PriceWhy are you Purchasing a New Home?
What is Your Credit Score?Estimated Down PaymentHow Did You Hear About Us?Are you a Veteran?
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