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Non-prime home loans in Idaho give buyers with credit challenges a second chance at homeownership. If you've been denied a traditional mortgage due to a low credit score, self-employment income, or a past bankruptcy or foreclosure, non-prime loans may be the right fit for you. These flexible loan options are designed to help more Idaho residents achieve their dream of buying a home - even when conventional lenders say no.
Non-prime loans are mortgages for people who don't meet the rules for regular home loans. These may include people with:
A low credit score
A history of bankruptcy or foreclosure
Income that is hard to document
Instead of big banks, non-prime loans often come from private or specialized lenders.
While the interest rates may be higher, these loans give more people the chance to become homeowners.
Non-prime loans have easier rules. That makes them helpful for people with:
Credit problems
Self-employment or freelance income
Short work history
Past financial trouble
The trade-off is that they usually come with a higher rate and may need a larger down payment. Still, for many people, it's a fair path to homeownership.
Many people turn to non-prime home loans in Idaho when traditional lenders aren't an option due to credit issues or complex income sources.
You may qualify if:
Your credit score is below 620
You've had a bankruptcy or foreclosure
You are self-employed
You get income from other sources, like a side business or investments
We can help you prove that you can afford a home - even if your job or credit history doesn't fit the usual mold.
✅ Buy a home even with past credit issues
✅ Flexible income and work history requirements
✅ Options for interest-only or adjustable-rate loans
✅ Great for self-employed borrowers or recent financial recovery
If life threw you a curveball - like job loss, illness, or divorce - a non-prime loan might help you get back on track.
These loans offer flexibility, but you should still read the fine print. Common risks include:
Higher interest rates and fees
Larger down payments
Stricter loan terms in some cases
We'll help you review every detail, so there are no surprises.
At 1st Choice Mortgage, we specialize in non-prime home loans in Idaho and can help you navigate the options available to you - no matter your credit or income background.
Non-prime home loans in Idaho give you a real chance to buy a home - even if you've been told "no" before.
📞 Call 1st Choice Mortgage today. Let's talk about your options and help you become a homeowner.
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