Providing home loans in Idaho for over 24 Years has given us the experience and knowledge you deserve.
    Experience, low mortgage rates, tons of mortgage products...we are your 1st Choice and Best Choice for home loans!
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See What People Are Saying About 1st Choice Mortgage

  • I worked with Gabe. He was fantastic and worked hard to get me approved. I will definitely use him again in the future! - Denis A., Boise, Idaho
  • Kerri Wattier was an answer to prayer with the purchase of our first home. She was the 3rd lender we contacted when ? shopping? for our first mortgage loan. Right away we loved her warmth and passion to help people. She is a non nonsense spitfire and is soo knowledgeable and was available ( and still is) to us for any questions. I had no idea this process could be so seam- Monica C., Heyburn, Idaho
  • Jerry Robinson was and still is quick to answer our questions and gets things done efficiently. Great experience with 1st Choice! - Jana M., Kuna, Idaho home loan mortgage
  • Five star service! Kerri is very knowledgeable and was super responsive to my phone calls and emails throughout our entire loan process. She made this home buying experience a whole lot less stressful and was able save us quite a bit of money compared to some other companies! Without hesitations would I recommend Kerri, Jerry, and 1st Choice Mortgage Company to anyone loo- Christina I., Horseshoe Bend, Idaho home loan mortgage best local
  • An amazing team to work with during the entire process. Super proactive, no surprises and accessible throughout. TY Kerri!!! - Jim V., Star, Idaho, fha home mortgage purchase
  • Very helpful in helping me decide what mortgage products were more beneficial- always excellent service. Kerri is very knowledgeable and supportive- thank you! - Rachel S., Nampa, Idaho home loan mortgage refinance
  • Jerry was great, Very Professional, we walked me though the whole reverse mortgage process, answerd all my questions, super patient and understanding. - John V., Nampa Idaho reverse mortgage refinance home loan
  • Jerry was absolutely amazing! He kept us up to date on everything and even helped us get a lower rate then we expected. He was so friendly and made us feel at ease with the whole process.  - Cristal G. Nampa Idaho Home Mortgage Purchase Local Broker
  • Jerry was very helpful, knowledgeable and very friendly. Was referred to Jerry, at first I was a little nervous and skeptical on using a broker versus a regular bank for a purchase. We were very informed by the text updates and emails, communication is key!  - Jorge G., Caldwell idaho home loan purchase first time home buyer
  • Jerry went above and beyond!!  10/10 would refer anyone to him. - Amanda & Kris E., Meridian idaho home loan mortgage first time
  • Jerry and his team at 1st Choice go above and beyond to provide service and knowledge. Jerry has made it a mission to stay current on all things lending and continues to provide up to date stats in this fast paced market. He brings great value to this industry and the clients he serves. - Shane S., Nampa idaho home loan mortgage
  • Keri was there throughout the whole time. Excellent service. Alison - Alison V., Boise, Idaho, home, loan, mortgage
  • Closed soooo fast! Worked with Kerri Wattier. Frequent communication to help us through every step of the way. Could not have hoped for anything more. - Shawn G., Boise, Idaho, home, loan, mortgage, purchase, local
  • They made the whole process so easy! Their communication was the best ever! Thank you Kerri and team!! - julie G., Caldwell, Idaho, home, loan, mortgage, purchase, local
  • As a recently widowed women, fearful of the reverse mortgage process. I could not have asked for a more intelligent, caring person as Jerry Robinson of 1st Choice Mortgage. He skillfully walked with me thru what, for me, was a stressful journey. Because of him, I am sitting in a pretty little house, I just purchased, with my 2 dogs. I am very pleased with this whole exper- Darlene L., Boise, Idaho, reverse mortgage, home, loan, HECM, local
  • We've had Kerri with 1st Choice Mortgage help us twice now. Both experiences with her, have been hands down, the best service we've had when finding a lender and walking through uncharted territory. She is so knowledgeable. She stays right on top of whatever develops as you go through the process of getting financed. She's also such a fun and caring individual. Win win fo- Vicki T., Menan, Idaho, home, mortgage, refinance
  • We LOVE Jerry and 1st Choice and have used him several times; we have always had a fantastic experience and will return as many times as we buy a home. He always provides excellent customer service, makes sure we understand every detail and is generally knowledgeable about every step in the process. He has always helped with any questions we have, before, during or after - Anthony D., Iona, Idaho, home, loan, mortgage, purchase
  • This is the second home we have ever purchased and it went way more quickly and smoothly the second time using 1st choice. Definitely recommend! - STormi M., Nampa, Idaho, home, loan, mortgage, local
  • Kerri Wattier is an amazing Loan Officer, she knew exactly what documentation was needed to provided a smooth Loan Approval and Closing. I cannot say enough about her. She is honest, communicative, knowledgeable and easy to work with, plus kind. To anyone needing a home loan I would highly recommend Kerri! - Terri B., Nampa, Idaho, home, loan, mortgage
  • Fast and Easy to work with. No issues what so ever. I will definitely be using Jerry and First Choice when I'm ready to buy again. - Dawson K., Kuna, Idaho, home, loan, mortgage, 1st time
  • Kerri Wattier did a great job helping us get our property. She is very responsive, the closing costs were very reasonable and everything got done as promised. We would highly recommend her and first choice. - Charles M. Meridian, Idaho, home, loan, mortgage, purchase
  • Five Stars! - Kelsie P., Craigmont, Idaho, home, loan, mortgage
  • My husband found Kerri online and we couldn't be happier with the service she provided! She got us preapproved quickly and we were able to find a property just as fast. During escrow we got the clear to close within a couple weeks! Being a Realtor I have worked with many lenders and Kerri is by far one of the best. Looking forward to working with her again! - Corina C., Boise, Idaho, home, loan, mortgage, purchase
  • Kerri was awesome helping with our financial needs! She was courteous with prompt replies and got us taken care of sooner than we anticipated. Thank you Kerri! - Jenn R. Boise, Idaho, home, mortgage, refinance
  • This is the second time we've used Jerry Robinson at 1st Choice Mortgage, at the suggestion of a Realtor colleague. Although we are experienced home borrowers, he still helps us avoid pitfalls and keeps everything on track with the qualification process. I would especially recommend him for first-time buyers who need advice and guidance through the process. He also DOES N- Jennifer W., Sandpoint, Idaho, home, loan, mortgage,
  • Love Jerry, did AWESOME on my 1st Home. - Jen R., Nampa, Idaho, home, loan, mortgage
  • From the start Jerry was kind, professional and understanding. The team answered every question and more. To say they went above and beyond is an understatement. We would give 6 stars if possible. - Alejandra H., Boise, Idaho, home, loan, mortgage, refinance
  • Great experience! We contacted Gabe to question him about a transaction we were interested in pursuing. During our first meeting Gabe answered all of our questions and gave us a general description of the process. We decided to move forward with the transaction and Gabe gave us a list of things that would be required. During the process Gabe was always available by phone,- Denise M., Meridian, Idaho, reverse mortgage, refinance
  • Kerri Wattier was especially helpful and knowledgeable to assist us as prospective buyers from California. She gave us valuable real estate information, the latest trends, and provided the best lending opportunities. Kerri handled two of our property transactions with complete transparency and that made our experience effortless. - Dave B., Middleton, Idaho, home, loan mortgage
  • Kerry is the BEST!! Kerri has been fantastic. Very professional and kept me informed the entire process. I highly recommend Kerri and 1st Choice Mortgage. Thank you so much!! - Agnes M., Boise, Idaho, home, loan, mortgage
  • Kerri was Absolutely wonderful!!! - Missy C., Stites, Idaho, VA, mortgage, refinance, veteran
  • We had another amazing experience with 1st Choice Mortgage! Kerri was a miracle worker. We were fully convinced we wouldn't be able to do a cash out refinance on our house but Kerri made it happen. I would HIGHLY recommend using Kerri at 1st Choice Mortgage! - Matt S., Greenleaf, ID, home, loan, mortgage, refinance
  • Kerri was a true professional even in the midst of a move from another state she was able to handle our mortgage needs. Made the move so much less stressful - Really enjoyed working with her! Thank you Kerri! - Heather G., Nampa, Idaho, Veteran, VA, home, loan, mortgage
  • Kerri Wattier was fantastic in helping me work through my refinance. Kerri was able to quickly answer any question I had and made the process very simple quick. - Mike L., Nampa, Idaho, VA, Veteran, home, loan, mortgage
  • Jerry was a great resource for any and all questions we had throughout this process. It can be very scary buying your first home and not understanding all that goes into purchasing a home, but Jerry did an excellent job of calming our nerves and walking us through all of the ins and outs. We could not be more appreciative of him and would highly recommend him to anyone! - Kiera V., Caldwell, Idaho, home, loan, mortgage, 1st time
  • Five Stars! - Alan T., Caldwell, Idaho, home, loan, mortgage, 1st time,
  • Kerri is a jewel! I had so many questions before and during this process that I sent to Kerri on numerous texts and emails. Kerri was knowledgeable, patient, understanding, thorough, friendly and caring. She was with me every step of the way to this important and difficult decision. Thank you, Kerri! - Barbara M, Boise, Idaho, Reverse Mortgage, Refinance
  • Kerri Wattier worked some amazing magic to get my clients deal closed, ahead of schedule! Her knowledge and tireless efforts did not go unnoticed. I would highly recommend her to anyone looking to finance or refinance a home. - Sara H., Star, Idaho, home, loan, purchase, mortgage
  • Kerri Wattier at 1st Choice Mortgage was excellent to work with. She was very helpful and above all she gained our confidence to be a trusted partner. Kerri kept us alerted to what we needed and was always available for a phone called if we had any questions This was our 2nd loan with Kerri, I would recommend her to others and will definitely be using her again for furth- Jill G., Eagle, Idaho, home, loan, mortgage, purchase
  • Kerri Wattier is the best there is, hands down. We have used Kerri three times, and won't go anywhere else. - Caleb C., Star, Idaho, home, mortgage, loan, purchase
  • 1st Choice mortgage, to me is one (if not) the only company that not only listened to all my concerns, but gave me a lot of different ways to get where I wanted. Unexpectedly my process became unbelievably complicated and drawn out. But Gabe stuck with me and quite a few hoops we had to get through. We were able to close with I hope satisfaction on all sides. I am.very ha- Kat Wolf, mountain home, idaho, fha, refinance
  • Kerri Wattier was great to work with! Very timely in her responses to us made the home buying process in this market as smooth as it could be. Made sure all our paperwork was right and ready to go for an on time closing!! - Tyler W., Kuna, Idaho, home, loan, mortgage, purcahse
  • Great experience both times. Love this company and it?s people! - Laurie A., Boise, Idaho, reverse, mortgage, refinance
  • I was referred to Jerry and 1st Choice Mortgage. My experience matched the glowing referral and I plan to refer him and 1st Choice Mortgage going forward. - TJ G., Caldwell, Idaho, Home, loan, mortgage, broker
  • Great communicator, fast, efficient and excellent service for all. - Chanette F., Nampa, Idaho, home, loan, mortgage, refinance
  • Kerri was great. She was very helpful throughout the whole process. - Setaleki F., Meridian, Idaho, home, loan, mortgage, purchase
  • Unbeatable service from this company. Gabe and his team were very knowledgeable and thorough. So happy we chose 1st Choice!!! Thank you!! - Trinady D., Boise, Idaho, home, loan, mortgage, 1st time home buyer
  • As a first time home buyer, I was very nervous due to all the ?unknowns? of purchasing a home. Jerry was AWESOME from day ONE! He helped us figure out what we needed to do to get our credit where it needed to be and then walked us through the process of purchasing our first home. He made everything easy to understand and was so helpful. I would HIGHLY recommend Jerry to a- Paige M., Caldwell, Idaho, Home, Loan, Mortgage
  • Kerri Wattier was awesome to work on refinancing my home my daughter recommended her to me and I was very pleased how quickly and efficiently she handled everything. She is kind and professional. Thank you Kerri! - Wendy O., Nampa, Idaho, home mortgage refinance
  • Kerri Wattier, at 1st Choice Mortgage in Meridian, did a great job. She is knowledgeable and goes well beyond what is required or expected. When things slowed down she helped us get through the difficult time. We highly recommend her. - Merrilee N., Star, Idaho, home mortgage refinance reverse mortgage
  • Jerry is responsive, knowledgeable, thorough, and professional. The whole process was quicker and easier than almost anyone thought it would be, and a lot of that is attributable to Jerry's work. Thank you! - Michael M., Boise, Idaho, Home loan
  • Very impressed with everyone working diligently to get this loan done. Jerry helped a lot with getting us to the point to be able to buy with tips on repairing our credit. I highly recommend 1st choice to anyone looking to purchase.  - Nick L., Parma, Idaho, Home Loan purchase
  • We can't say enough good things about working with Kerri at 1st Choice Mortgage Company! She guided us through every step of the process with calm professionalism and insight. Questions were answered promptly, and documents were delivered on time and explained clearly. We will definitely use Kerri again should the need arise. Thank you, Kerri! - Mons J., Garden City, Idaho, home purchase
  • 5 star review! - Dennis W., Caldwell, Idaho, Home purchase
  • We have worked with Kerri Wattier twice over the years for refi?s and each time the process was painless, professional and accurate. Kerri is amazing to work with and we?ve never had a better experience with any other mortgage company. Selecting a mortgage company and a loan specialist can be a daunting experience, but it doesn?t have to be. We highly recommend Kerri at 1- Craig H., Meridian, Idaho, Refinance, mortgage
  • Kerri Wattier has given us exceptional service throughout our past four years of working with her on our real estate loans. Her communication skills are excellent! Keeping us up-to-date on all aspects of our loan process. Most importantly, she obtains the lowest loan rate available. We highly recommend Kerri. Thank you. Jay and Sandy Young - Jay Y., Boise, Idaho, mortgage refinance
  • Jerry was the absolute best broker for our recent refinance to a conventional loan.  We were returning customers from seven years prior and he gave us the same wonderful service as before.  We are SO thankful for Jerry and his tema for a smooth and fast refinance.  We 100% HIGHLY recommend 1st Choice mortgage.   - Lisa M., Meridian, Idaho, refinance
  • This is my 2nd time working with Kerri at 1st Choice Mortgage and both times have been fantastic. Very professional and kept me informed the entire process. I highly recommend Kerri and 1st Choice Mortgage. - Scot O., Meridian, Idaho, Refinance
  • Kerri at 1st Choice Mortgage was great, she answered all my questions and guided me through the whole process in a very professional and positive manner. I look forward to working with her again in the future! - Janee B. Nampa, Idaho home loan refinance
  • Kerri did a great job! The rate was much lower than expected, the closing costs were very reasonable and the closing was done on time. If you?re looking for a fairly priced loan at the best possible rate I would highly recommend Kerri and first choice. - Chas C. Meridian, Idaho, Home Purchase
  • Sarah Toppi helped me refinace my house. She recommended the best options for me to be able to refinance my house. Sarah definitely found the best interest rates and was able to make my mortgage be much lower than it was. Sarah is extremely knowledgeable when it comes to math and numbers and how that applies to refinancing, quotes, percentages, insurance etc. She has also- Elizabeth F. Boise, Idaho, refinance
  • Jerry was great to work with and so personable. He made everything very easy and straight forward. The process was quicker than I expected and I was kept informed through out everything. Highly recommend. - Natasha G., Nampa, Idaho, refinance
  • Sarah T is amazing to work with. She will go above and beyond to help you with any of your mortgage needs. I highly recommend her and 1st Choice to anyone looking to refinance. - Dustin J., Star, Idaho, home purchase
  • Honest, Upfront, No Gimmicks or Junk Fees - Mike, J. Kuna, Idaho, home purchase
  • I have now had the pleasure of working with Gabe McGuire on a couple different transactions. He is very knowledgeable, prompt and thorough. I've never had such easy, quick closings as I've had with him. He is definitely my go to guy. I highly recommend him for all your lending needs. - Tanya H., Caldwell, Idaho, Refiance
  • Great experience. Sarah Toppi was amazing to work with. She always made herself available even at night/weekends when we needed a new preapproval letter. She answered all questions and was proactive in making sure the process was smooth. We cannot thank her enough and would highly recommend her to anyone buying a home - Taylor, Boise Idaho, home purchase investment
  • As a first-time home buyer, I couldn't have chosen to work with a better mortgage broker. Jerry and his team helped us get a great rate on our home. Closing costs were incredibly low. Even my agent was impressed. I couldn?t be more satisfied with the entire experience. 1st Choice Mortgage is top-notch and I will be recommending them to everyone that I know. - J.R., Twin Falls Idaho, home purchase
  • Darrel is outstanding. He was patient, answered our questions and made the whole process very smooth. Even after the signing he encouraged us to call him anytime if we had further questions. I would recommend Darrel and if we were to move or refinance, I would ask for Darrel. - Robert, Boise Idaho, Refinance VA
  • Kerri at 1st Choice Mortgage is wonderful to work with. She is on top of everything, she lets us know what is going on with our loan either by email, text or phone. This is the third time using them as a mortgage company, if we need to get a new loan or refinance we will go no where else. You will not go wrong working with this honest and dependable company. - Diana, Emmett Idaho, Refinance
  • Kerri, was very knowledgeable and very helpful through this process, I would definitely recommend her and 1st choice mortgage. Great team! - Cynthia, Caldwell Idaho, FHA Refinance
  • Kerri is absolutely amazing. She kept me informed on every aspect of the home financing process, and even helped me understand many details of my home purchase outside of the mortgage process. Kerri masterfully coordinated all parties involved, and kept everything and everyone on schedule (we even closed a bit early). Kerri is responsive, thorough, and a true pleasure to - Courtney, Caldwell Idaho, FHA Home Purchase
  • Kerri Wattier is amazing and on top of over the entire process and is able to anticipate possible issues and takes care of them quickly. She is customer service oriented and quick to solve anything that comes up! I'm extremely happy and will recommend her to anyone! - Natalie, Middleton Idaho, home purchase
  • Jerry is exceptional! He helped us when we bought the house the 1st time and has kept in touch via monthly recipe cards over the last 14 years. So, naturally I went back to him when we wanted to refinance. He was so helpful and prompt! Even with all the activity I'm sure he's having during this housing boom in the valley, he always responded quickly, answered all of my qu- Nicole, Kuna Idaho, Refinance
  • Jerry was Great! Very informative, fast, and helpful! - Aaron, Nampa Idaho, Home Purchase
  • Jerry was excellent to work with got a loan approval faster than expected and we closed early. I highly recommend Jerry and his company with five stars - Vanessa, Meridian Idaho, home purchase
  • Highly recommend working with Jerry! He's very helpful and informative. Will definitely help you get a great deal. - Nicolas, Boise Idaho, Refinance
  • If I could give 10 Stars I would to Kerri Wattier!! She is truly amazing at her job and has helped us with not one not two but three of our purchases and we could not say greater things about her!! - Jolene, Boise Idaho, Refinance
  • Jerry was great to work with and so personable. He made everything very easy and straight forward. The process was quicker than I expected and I was kept informed through out everything. Highly recommend. - Natasha, Nampa Idaho, Refiance
  • Jerry was very helpful throughout the entire loan process. He was quick to respond to any questions we had regarding our loan and made sure we were always up to date on its progress.  - Annabel M., Boise, Idaho, mortgage refinance
  • Jerry did an excellent job working on our loan. He was very quick with responses and very helpful in getting it all done quickly. Thanks for a job well done. - Nancy P., Weiser, Idaho, mortgage refinance
  • Once again, Jerry is a pleasure to work with.  Couldn't aks for a smoother or easier transaction! - Jeremy G., Boise, Idaho, mortgage refinance
  • Gabe made the process so easy for us to refinance. Checked in frequently during waiting periods and made sure we didnt have any questions. I have already sent his information to 2 family members for future use.  - Kelsey A., Nampa, Idaho, mortgage refinance
  • Jerry was very patient and efficient, we would highly recommend him for a mortgage - Tim V., Boise, Idaho, Veteran Administration, VA, refinance
  • I've never had a loan process experience like the one I had with 1st Choice Mortgage and, in particular, Jerry. Fantastic from beginning to end, even through the unexpected bumps. Thanks! - Lori S. Boise, Idaho, home loan mortgage refiannce
  • Jerry Robinson is awesome lender.  He was very helpful and patient with us.  I would recommend him highly to my family and friends - Shawna J., Kuna, Idaho mortgage refinance cash out
  • Jerry at 1st Choice provided exceptional service at kept me informed all the way through the process. Kudos to Jerry! Highly Recommended! - Will M., Caldwell, Idaho home loan mortgage refinance
  • Jerry Robinson was very helpful and very knowledgeable during this whole process.  He is very quick and responsive to all your questions that you might have.  I would recomend him to anyone. - Matt N., Caldwell, Idaho, FHA home loan
  • Thank you very much for your help Darrel, you have been amazingly helpful.  Without your help this would not of been possible.  Keep up the good work. - Joseph F. Paul, Idaho, FHA, home loan, downpayment
  • Thank you for helping us with our refiance, it was greatly appreciated and we would recommend you anytime. - Kim & Jay E., Priest River, Idaho, Home mortgage refinance
  • I would highly recommend working with Jerry at 1st Choice Mortgage. He made the home buying process so easy. I was on maternity leave while we were trying to close on our home. He handled everything with my work and was able to get us to closing on time. He called and kept us up to date throughout the entire process. - Chad & Lori M., Boise, Idaho, home loan, mortgage, home purchase
  • I went through Kerri after reading great reviews online. This was an AMAZING decision, as Kerri did a fantastic job guiding us through the process! Always quick to respond and incredibly helpful when we needed advise. I had plenty of questions along the way and Kerri was there to answer immediately. Moving forward, I will always go through Kerri, whether it's another home- Mark T., Nampa, Idaho, First time home buyer, Idaho Housing, home loan
  • Being self-employed for 31 years, it's a challenge to obtain a conventional loan through a normal lender. 1st Choice Mtg. Co did a superb wonderful job steering through all the requirements/procedures to satisfy the underwriters and procure a first class loan that I'm totally and completely satisfied with! Couldn't have topped this wonderful service they preformed with an- Dan U., Nampa, Idaho, home loan mortgage purchase
  • Jerry was really helpful, we would highly recommend him - George T., Boise, Idaho home loan mortgage purchase
  • Thanks Jerry-- we really appreciated your patience and availability throughout the process. You also brought a level of optimism and enthusiasm that made a process that could be cumbersome and stressful much more pleasant.  - Gavin & Julia S., Boise Idaho home loan mortgage
  • Jerry was amazing thoughout the entire procdess, we would highly recommend him. - Carlos & Jaimie A, Meridian, Idaho, FHA refinance home loan
  • Jerry was quick, professional and friendly, I could not have asked for anything more. - Terry E., Nampa, Idaho home loan mortgage
  • Jerry Robinson was very helpful and very knowledgeable during this whole process. He is very quick and responsive to all your questions that you might have. I would recommend him to anyone.  - Matt N., Nampa, Idaho, home mortgage loan
  • A friend recommended 1st Choice Mortgage to us. We worked with Darrel from the Meridian office, he did an amazing job securing us the most competitive loan possible. Darrel went above and beyond to ensure the process went smooth, he was in constant contact so we knew at what stage of the process we were at, etc. We can not emphasize enough how amazing a job Darrel did and- Nicolas & Emily A., Boise Idaho, home mortgage purchase Idaho Housing
  • Thank you Jerry ! I've bought and sold many homes and Jerry is by far one of the better loan officers that I have worked with ! He's knowledgeable, friendly, understanding and very much in tune with his lenders - John G., Nampa, Idaho, home loan mortgage purchases
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1st Choice Mortgage Company

... is committed to assisting you in finding the right mortgage product for your needs.  We have been in the home loan business for over 20 years, helping borrowers through the world of mortgages and the mounds of lending paperwork involved.

We understand that your time is valuable, you are able to access a loan officer by an on site appointment, email, phone or fax, and we don't work banker hours.    Applying for a home loan online is simple and easy. 

Need a mortgage calculator, click Mortgage Calculator for and easy to use calculator.

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Maximizing Homeownership: Unlocking the Potential of Home Equity

For many homeowners, a significant portion of their wealth is tied up in their homes. Beyond providing shelter, homeownership offers a unique advantage in the form of home equity. Home equity is the difference between the current market value of your home and the remaining balance on your mortgage. It represents a valuable financial resource that can be leveraged to achieve various goals. In this blog post, we'll explore how homeowners can harness the power of home equity to maximize their fi

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