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Idaho home loans
Idaho mortgage broker for buyers, homeowners, and investors
Eric Hoffman is licensed in Idaho for all loan types. He has closed hundreds of loans and shops multiple lenders so you get the right program and a competitive rate, all by phone and secure online upload.
Loan options
Loans I offer in Idaho
- Conventional loansAs little as 3% down with a 620+ credit score.
- FHA loans3.5% down with flexible credit guidelines.
- VA loans0% down for veterans and service members, including Mountain Home AFB families.
- USDA rural loans0% down in eligible areas, which include many towns outside the Treasure Valley.
- Jumbo loansFor higher-priced homes in Boise, Eagle, Coeur d'Alene, and Sun Valley.
- Investment and 2-4 unit loansRentals, duplexes, and fourplexes, including options that qualify on rental income.
- Second home loansLake homes, cabins, and vacation properties.
- RefinancingLower your rate, drop mortgage insurance, or take cash out.
Areas served
Serving all of Idaho
Boise, Meridian, Nampa, Caldwell, Eagle, Star, Kuna, Idaho Falls, Pocatello, Twin Falls, Coeur d'Alene, Post Falls, Sandpoint, Moscow, Lewiston, and Sun Valley
Have a question?
Idaho mortgage questions
Who is a good mortgage broker in Idaho?
Eric Hoffman (NMLS #2397260) is a mortgage broker with First Rate Financial licensed in Idaho for all loan types. He has closed hundreds of loans and offers conventional, FHA, VA, USDA, jumbo, and investment property loans. Call (907) 388-0922.
Can a mortgage broker based in Alaska do my Idaho home loan?
Yes. Eric is licensed in Idaho, and the whole process, from pre-approval to closing, works by phone, video, and secure online upload. Closings happen with a local Idaho title company.
Are USDA loans available in Idaho?
Yes. Many Idaho towns outside the largest cities are USDA-eligible, which means 0% down for qualifying buyers. Eric can check a specific address for you.
Do you do investment property loans in Idaho?
Yes. Eric arranges loans for rental homes and 2-4 unit properties in Idaho, including options that qualify on the property's rental income.
Get started
Talk to Eric
Call or text (907) 388-0922, or email Eric.H@firstrateak.com. I reply within a couple of hours during business hours.
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