The ``Insider's Roadmap`` to buying your first home. Learn how to qualify with 580+ credit, skip the big bank red tape, and stop renting today.
Boise • Meridian • Nampa • Caldwell
We shop multiple lenders to compare Idaho Housing, FHA, VA, USDA, and Conventional options - then guide you step-by-step from pre-approval to closing.
Banks and credit unions offer one menu. We shop multiple lenders and match you to the best program for your goals. Our process is built for speed and clear communication.
Idaho Housing, FHA, VA, USDA, Conventional - side-by-side.
Often same-day pre-approval once docs are in.
Once under contract (timelines vary by appraisal, title, and documentation).
Talk to the loan officer working your file - no call center.
We'll help you choose the right fit based on your credit, income, cash-to-close, and the home you're buying.
A strong option when you want help with upfront costs (rules vary by program).
See Idaho Housing options
Flexible credit guidelines and low down payment options.
FHA vs Conventional
Great pricing for qualified buyers, including low-down options.
Price my options
Zero-down for eligible veterans and service members.
Talk VA options
Zero-down in eligible areas when the property qualifies.
Check eligibility
Manufactured homes, condos, unique income - strategy matters up front.
Ask about your scenario
Budget, timeline, and the best program path.
We tell you exactly what we need - nothing extra.
A pre-approval that supports your offer.
We manage the loan steps and keep everyone updated.
Click below and we'll map your best options and next steps.
Get Pre-Approved
"As a first-time homebuyer, Jerry was absolutely amazing and I couldn't be happier with his service. He was straightforward with the process and what we qualified for, helped us build a great team, and once our offer was accepted everything came together seamlessly. Even after closing, he continues to be great guidance."
Ashley C.
"Jerry was very easy to talk to, got things done, and was very professional. He knows what you need and when you need it. Definitely would do business with him again and refer my friends and family."
Shannon S.
Testimonials are from real clients. Individual experiences vary.
Local knowledge matters - especially in Boise, Meridian, Nampa, and Caldwell.
We do a high volume of IHFA loans and understand the details.
No cross-selling. Clear costs. Simple explanations.
You can reach the loan officer working your file.
No. Many buyers use low down payment options, down payment assistance, or zero-down programs when eligible.
It depends on credit, income, cash-to-close, and the property. We compare Idaho Housing, FHA, Conventional, VA, and USDA options and recommend the best fit.
Often the same day once we have the right documents.
Many purchases close in under 21 days once under contract, but timelines vary (appraisal, title, documentation, property conditions).
No. We focus on your mortgage plan with clear costs and straightforward communication.
We shop multiple lenders, move fast, and keep it simple.
Program guidelines and income limits may change without notice. For the most accurate and up-to-date details - including eligibility and restrictions - contact 1st Choice Mortgage today
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:
