Preferred Lending Partner of Idaho Housing and finance!

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

Purchase a Home Qualifier  Refinance a Home Qualifier

Idaho Housing Home Loans

Idaho Housing First Loan Plus (purchase)

Excellent Program for 1st time home buyers and sometimes 2nd time home buyers that offers 100% financing.

  • 96.5% 1st Loan
  • Down Payment Assistance Available for remaining 3.5% =Learn More
  • Minimum Credit Score 620
  • First Time Home Buyer required except for Targeted Counties in Idaho
  • Seller can pay for ALL Closing Costs
  • Closing Costs Assistance Available.
  • Online Home Buyer's Class Required
  • Family Income Restrictions
  • Call for Details!  (208) 375-LOAN
  • Any Idaho County
  • Link to Current Mortgage Rates

 

Idaho Housing Preferred  (purchase OR refinance)

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

  • 97% 1st Loan
  • 95% for Manufactured Homes, purchase only.
  • Down Payment Assistance Available for remaining 3% (More Info)
  • Minimum Credit Score 620
  • First Time Home Buyer Requirements
  • Seller can pay for ALL Closing Costs
  • Borrower just needs to have .5% of purchase price into transaction
  • Home Buyer Class required
  • Family Income Restrictions
  • Call for Details!  (208) 375-LOAN
  • Any Idaho County
  • Link to Current Mortgage Rates

 

Idaho Housing Preferred 20 or 15 year  (purchase OR refinance)

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

  • 97% 1st Loan
  • 95% for Manufactured homes, purchase only
  • 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 .5% of purchase price into the transaction
  • Home Buyer class may not be required
  • Family Income Restrictions
  • <$110,000
  • Any Idaho County
  • Link to Current Mortgage Rates

 

Idaho Housing 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 .5% of purchase price into the transaction
  • Home Buyer Class may not be required
  • Family Income Restrictions
  • <$110,000
  • Any Idaho County
  • Link to Current Mortgage Rates

 

Idaho Housing USDA 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 co.5% of purchase price into transaction
  • Home Buyer Class may not be required
  • Family Income Restrictions
  • Geographical Restrictions
  • Learn more about Rural Home Loans
  • Current Mortgage Rates

 

Idaho Housing 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 .5% of purchase price into transaction
  • Home Buyer Class may not be required
  • Family Income Restrictions
  • <$110,000
  • Any Idaho County
  • Link to Current Mortgage Rates