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Idaho Home Loan Options

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.

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Conventional Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

Conventional Purchase Loan

Interest Rate and payments remain the same for the entire term of the loan.

FHA Purchase Loan

FHA purchase loan: low down payment and flexible credit to buy a home.

VA Purchase Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Rehab Loan

Roll the costs of the renovation into your loan.

Renovation Mortgage 203(k)

Buy or refinance a home that needs work and roll the renovation costs into the mortgage

USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

Refinance

Mortgage refinancing may lower your monthly payments.

Cash-Out Refinance

Access home equity for various purposes.

VA Loan Refinance

There are two main ways to refinance your VA loan.

Jumbo Purchase Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

Investment Property

Mortgage loan programs for vacation and investment properties.

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

Bridge Home Loan

Secure the transition between selling your current home and buying a new one.

Construction Home Loan

Build your dream home from the ground up with tailored financing.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

HELOC Home Loan

Unlock the value in your home with flexible home equity lines of credit.

Reverse Mortgage

Convert a portion of your home equity into cash to secure your retirement.

Seller-Paid Buydown

Reduce your mortgage payments with the assistance of the seller.

Get started today!

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

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What are your goals?
We are committed to helping you reach them.

Purchase or Refinance

I want to purchase
I want to refinance

Where is the home located? City or Zip Code

City or Zip Code *

What type of home is it?

Single Family
Townhouse
Condominium
Multi-Family

Where are you in the home buying process?

Signed a purchase contract
Found a home
Looking to buy within one month
Looking to buy in 1 to 3 months
Looking to buy in more than 3 months

How do you plan to use your new home?

Primary Residence
Vacation Property
Investment Property

Have you or your spouse served in the US military?

Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.

What is your (or your spouse's) branch of military service?

Army
Marine Corps
Navy
Air Force
Coast Guard
National Guard
Military Spouse
Other VA Eligibility
No Military Experience

Are you actively working with a real estate agent?

Is this your first time purchasing a home?

What is the approximate purchase price of the new property?

Selected Value: $0

(It's OK to estimate)

What is the estimated value of your property?

Selected Value: $0

Use the slider to select the price range of homes you're interested in (it's OK to estimate)

How much do you have for a down payment?

Selected Value: 0%

(It's OK to estimate)

Single Item

Down Payment: $0.00

What is the balance of your first mortgage?

Selected Value: $0

(It's OK to estimate)

What is the interest rate of your first mortgage?

Selected Value: 0

(It's OK to estimate)

first this or

Do you have a second mortgage?

How much additional cash do you wish to borrow?

Selected Value: $0

(It's OK to estimate or if no cash-out leave at $0)

What is your current employment status?

Employed
Self-Employed/1099 Independent Contractor
Retired

What is your household gross (before taxes) annual income?

Less than $30,000
$30,000 - $50,000
$50,000 - $75,000
$75,000 - $100,000
Greater than $100,000

What is your credit score?

Excellent 740+
Good 700-739
Average 660-699
Fair 600-659
Poor < 600

Have you had a bankruptcy or foreclosure in the past 3 years?

What is your first name? *

What is your last name? *

What is your email address? *

What is your phone number? *

Communications Policy *

I agree to the Communications Policy.

We may communicate with you in a variety of different ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf. By using the Service, you acknowledge the following communications-related practices. By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message (our message frequency may vary). Message & data rates apply. Reply STOP to unsubscribe from further messaging. Reply HELP for more information. See our Privacy Policy

About Us

At Home Loans of Idaho, LLC, we understand that securing a mortgage can be one of the most significant financial decisions you’ll ever make. That’s why our team is dedicated to delivering personalized service and expert guidance every step of the way. Whether you’re a first-time homebuyer, buying a bigger home, or a seasoned investor, we’re here to simplify the process and empower you to make informed decisions that align with your unique goals and financial circumstances.

Company NMLS: 2187314

Equal Housing Opportunity

3724 N Plantation River Dr
Suite 102
Boise, ID 83703
(208) 907-2846
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The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.