🏡 A Mortgage That Doesn't Ask for Your Paystubs? Yes, Please.

Looking for a loan without the traditional paperwork? The Community Mortgage Idaho program could be your solution. Designed for borrowers who may not show income the usual way, this flexible program helps Idahoans qualify for home loans using credit, assets, and equity instead of tax returns or paystubs.

The Community Mortgage is designed for real people with real credit, solid assets, and unconventional income. And it's now available to homebuyers and homeowners across Boise, Meridian, Nampa, Caldwell, Kuna, and beyond.

🚫 No Income? No Problem.

This is not your average mortgage. With the Community Mortgage, you don't need to show income or employment documentation - just good credit, adequate reserves, and a solid down payment or equity position.

It's ideal for:

• 📦 Self-employed borrowers who don't want to share every receipt since 2020

• 🏖️ Retirees living off investments or fixed income

• 🛠️ Gig workers or 1099 contractors

• 💼 High net-worth individuals with strong asset reserves

• 🔄 Homeowners looking to refinance but can't verify enough income

✅ Key Features of the Community Mortgage

🧭 Why This Loan Works So Well in Idaho

Idaho is full of hardworking entrepreneurs, early retirees, and independent-minded residents - many of whom don't fit a traditional lending mold.

In markets like Boise, Eagle, Star, Nampa, and Middleton, where housing is booming but flexibility is key, this loan fills a gap left by government-backed programs like FHA and VA.

📢 Is the Community Mortgage Right for You?

If you:

• Can't (or don't want to) provide tax returns or W-2s

• Have at least 20% down or equivalent equity

• Hold a FICO score of 680 or higher

• Can show adequate reserves

• Are buying or refinancing a primary residence in Idaho

…then the Community Mortgage might be your best shot at homeownership without jumping through flaming hoops of paperwork.

❓FAQ: Idaho's Community Mortgage, Answered

Q: Do I really not have to show income or job info?
Yes, seriously. No W-2s, paystubs, or employment letters required. Just credit, equity, and assets.

Q: Can I use this to refinance my current home?
Absolutely - both rate-and-term refinance and certain debt consolidation refinances are eligible.

Q: What's the lowest credit score allowed?
The minimum FICO is typically 680, but stronger credit helps you get better rates.

Q: Can I buy a second home or rental property with this loan?
No - this loan is for primary residences only.

Q: Where in Idaho is this loan available?
Anywhere! From Boise and Meridian to Caldwell, Idaho Falls, and Coeur d'Alene - if you’re in Idaho, you can apply.

Q: Who should I talk to about this loan?
Work with a local Idaho mortgage broker (like us!) who understands how to structure Community Mortgages the right way. We'll make the process smooth and stress-free.

📞 Let's Talk About Your Options

Whether you’re self-employed, asset-rich, or just tired of handing over mountains of paperwork, the Community Mortgage could be your key to a new home - or a better mortgage - in Idaho.

📲 Contact 1st Choice Mortgage today to see if you qualify:
👉 Click Here to Start the Conversation