Community Mortgage

Community Mortgage

A Smarter Path to Homeownership in Idaho

I Want My FREE Community Loan Quote

The Lowdown on Community Mortgage

The Lowdown on Community Mortgage

Community Mortgage Idaho - A Flexible Home Loan Option for Today's Buyers

If you're searching for a mortgage in Idaho that doesn't require traditional income or employment documentation, the Community Mortgage Idaho program from 1st Choice Mortgage in Boise and Meridian could be the perfect fit. Designed for creditworthy borrowers with strong assets, this loan option is ideal for buyers and refinancers across the Treasure Valley who need flexibility without sacrificing quality.


Who Is This For? The Community Mortgage is tailored for:

  • Self-employed borrowers
  • Retirees with significant assets
  • Individuals with irregular income streams
  • Anyone with strong credit but limited documentable income

Why Choose the Community Mortgage?

  • No income documentation required
  • No employment verification needed
  • No income stated on the loan application
  • Loan amounts up to $2 million
  • Up to 80% LTV (loan-to-value) on purchases and rate/term refinances
  • Credit scores starting at 680
  • Only minimum 6 months reserves required
  • Cash-out proceeds can count toward reserves
  • Eligible for debt consolidation

This makes the Community Mortgage Idaho a powerful solution for those who are financially stable but don’t fit neatly into traditional lending boxes.


 

This is an ideal solution for clients in Boise, Meridian, Nampa, Eagle, Kuna, and Star looking to buy or refinance a primary residence.

Community Mortgage for Idaho

Available in Idaho

This program is available in Idaho and Oregon, from Pocatello to Twin Falls, from Idaho Falls to Moscow,  We’ll help you navigate any local guidelines.


Perfect for Idaho Homebuyers and Refinancers

Whether you’re in Boise, Meridian, Nampa, Eagle, Kuna, or Star, this program is built for today's flexible lifestyles. It's especially beneficial for:

  • Real estate investors shifting to a primary home
  • High-net-worth retirees relocating to Idaho
  • Entrepreneurs with fluctuating or alternative income

Work With Idaho's Mortgage Experts

As Idaho's most trusted local mortgage broker, 1st Choice Mortgage knows how to navigate alternative loan programs. We handle all the paperwork and compliance so you can focus on moving into your new home.

Let's find out if the Community Mortgage Idaho program is right for you!

Contact us today or start your application online to see how this powerful program could help you achieve your homeownership goals without the hassle.

Why A Community Mortgage

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed Rates

    Fixed Rates

  • Adjustable Rates Mortgage (ARM)

    Adjustable Rates
    Mortgage (ARM)

  • Conforming Loans

    Conforming
    Loans

  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA, & USDA Loans

    FHA, VA, & USDA
    Loans

  • Terms from 5 to 30 Years

    Terms from 5 to
    30 Years

Get Your FREE Community Mortgage Quote Now!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

I Want My FREE Community Mortgage Quote