FHA loans in Idaho with 3.5% down. Credit scores from 580+. Shop rates from 30+ lenders with independent broker Jesse Stroup. NMLS 6229.
Jesse Stroup, Mortgage Broker
Home Loans of Idaho, LLC
Phone: (208) 907-2846
Email: [email protected]
NMLS# 6229
Company NMLS# 2187314
Licensed in: ID
FHA loans in Idaho with 3.5% down. Credit scores from 580+. Shop rates from 30+ lenders with independent broker Jesse Stroup. NMLS 6229.
FHA Loans · Purchase
FHA loans are government-insured mortgages designed for first-time buyers, families rebuilding credit, and anyone who wants to buy a primary home in Idaho with as little as 3.5% down.
At a glance
Down payment
3.5%
Credit score
580+
Gift funds
100%
2026 limit
$1.25M
Overview
FHA loans are insured by the Federal Housing Administration, which lets lenders offer more flexible terms. You get a lower barrier to entry without giving up fixed rates or a standard 30-year term — and you do not have to be a first-time buyer.
Eligibility
Requirements are more flexible than conventional loans, but you still need stable income, acceptable credit, and a property that meets FHA standards.
Example: $350k home
$12,250 down
Upfront MI
1.75%
Annual MI
0.55–1.05%
Benefits
FAQ
Start online in minutes. Jesse will walk you through pre-approval and keep you updated from application to keys.
No obligation · Same-day pre-approval · NMLS
Independent mortgage broker in Boise. FHA, VA, Conventional, and Jumbo programs — one person on the phone from hello to funded.
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License
NMLS
Co. NMLS
Idaho Mortgage Broker
Home Loans of Idaho
108 N Washington Ave
Emmett, ID 83617
Equal Housing Opportunity