1% Down Mortgage Program Now Available in Idaho

🏡 1% Down Home Loans Are Back - And 1st Choice Mortgage Has Them in Idaho!

Looking for a 1% down mortgage in Idaho? At 1st Choice Mortgage, we've got exciting news: we now offer Idaho 1% Down Mortgage Program, designed to help Idaho homebuyers get into a home with as little cash out-of-pocket as possible.

Yes, you read that right. Only 1% down, and you could be on your way to homeownership - with up to $7,000 in free down payment help.

💥 What Is the 1% Down Program?

Offered through our wholesale partners, this program helps qualified buyers get into a home with just a 1% down payment, while the lender kicks in an additional 2% (up to $7,000) to get you to the standard 3% down requirement.

👉 You bring 1%
👉 Lender gives 2% (up to $7,000)
👉 You're in with 3% down - but you only pay a third of it!

🧩 Who's Eligible?

Here at 1st Choice Mortgage, we'll walk you through the qualification process. To give you a quick idea:

• 💵 Your income must be at or below 80% of your area's median income

• 📉 Minimum 620 FICO score

• 🏠 Primary residence purchases only

• 🔎 Loan must meet 97% LTV conventional guidelines (think Fannie Mae HomeReady or Freddie Mac Home Possible)

Not sure where you stand? Call us - we'll help you check AMI and your eligibility in just minutes.

📍 Why This Is HUGE for Idaho Buyers

Let's be honest: Home prices in Boise, Nampa, Meridian, and the Treasure Valley aren't what they used to be. The #1 hurdle for most first-time buyers is saving up that down payment - but this program knocks that wall down.

Instead of draining your savings just to get in the door, this loan keeps money in your pocket for:

✅ Closing costs
✅ Rate buydowns
✅ Home repairs or furniture
✅ A little peace of mind

And when you work with a local lender like 1st Choice Mortgage, you get real advice, fast answers, and service that national call centers simply can't match.

🔍 What's New in 2025?

This isn't the first time lenders have offered a 1% program, but this 2025 version is bigger and better:

• 🎯 Now offers up to $7,000 in down payment help (vs. $4,000 in the 2024 version)

• 🕒 Faster, smoother qualification with automated underwriting

• 📈 Designed to help more Idahoans who fall just short of traditional down payment goals

🤝 Why 1st Choice Mortgage?

At 1st Choice Mortgage, we don't just offer great loan programs - we deliver guidance, clarity, and local expertise. We’ve helped thousands of Idaho buyers navigate the process with confidence and ease.

Whether you're in Boise, Eagle, Kuna, Caldwell, or out in the country - we're here for you, Idaho.

💬 "I don't just plug numbers into a system. I work with you to make sure you're getting the best loan for your needs - not just what looks good on paper." - Jerry Robinson, 1st Choice Mortgage

📞 Ready to Buy With Just 1% Down?

Let's talk! We can get you pre-approved fast, check your eligibility for the 1% Down Program, and even connect you with a great local Realtor if needed.

📱 Call or text us at (208) 375-LOAN
🌐 Or visit: https://375loan.com