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 Idaho | 3.5% Down Payment | Jesse Stroup
FHA loans in Idaho with 3.5% down. Credit scores from 580+. Shop rates from 30+ lenders with independent broker Jesse Stroup. NMLS 6229.
Built for buyers who need a lower down payment and flexible credit.
Government-backed financing with room to breathe.
What lenders look for on FHA files.
Why FHA works for Idaho buyers.
Common FHA questions.
Ready to apply for your FHA loan?
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
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