1st Choice Mortgage Company, LLC

10/07/2026

🏡 Divorce brings difficult decisions—including what happens to your home.

Can you buy before the divorce is final? Keep your current home and buy out your spouse? Qualify for another mortgage when your name is still on the old loan?

Our new Idaho guide explains community-property considerations, conventional/FHA/VA mortgage options, and what to review before signing a settlement.

Talk with your attorney and mortgage professional before agreeing to a buyout amount or refinance deadline. Early planning can help you understand what’s possible.

Read the guide: https://375loan.com/divorce-mortgage-idaho/

1st Choice Mortgage Company, LLC
Company NMLS #380736 | Equal Housing Opportunity

09/15/2026

BIG CHANGE for moved manufactured homes in Idaho 🏠

For years, if a manufactured home had previously been installed at another location, conventional financing could become a major problem.

That changed on September 2, 2026.

New conventional guidelines now allow financing on certain manufactured homes that have been moved from another site, as long as the property meets specific structural, foundation, zoning and inspection requirements.

This could be especially important for Idaho buyers and Realtors dealing with manufactured homes on acreage or rural properties.

And here’s the big takeaway:

If you were previously told “no” because the home had been moved, it may be worth another look.

Not every lender will allow these loans, and lender overlays still matter—but there are now more options than there were just a few months ago.

I broke down:
✅ What changed
✅ What inspections are required
✅ How this compares to VA, FHA, USDA and Fannie Mae
✅ What Realtors should ask before writing an offer

Read the full article here:
https://375loan.com/moved-manufactured-home-financing-idaho/

If you have a manufactured home that has been moved before, feel free to reach out and I’ll take a look at the scenario.

09/02/2026

⭐⭐⭐⭐⭐ Another amazing review!

Mimi came in with a plan, and three weeks later we were sitting at the closing table.

Her words really made my day:

“Jerry Robinson made my entire loan process one of the easiest and most straightforward transactions I have ever experienced with a mortgage company.”

She also mentioned the easy loan app, quick communication, no hidden fees, and that the plan we discussed at our very first meeting actually happened.

That is exactly how the mortgage process should work.

Thank you, Mimi, for trusting me and 1st Choice Mortgage with your loan — and thank you for the incredible review!

Thinking about buying or refinancing? Give us a chance to put a plan together for you.

🏠 1st Choice Mortgage
Company NMLS #380736
Equal Housing Opportunity

08/27/2026

🏡 Another happy homeowner in Middleton!

Bill needed a fast closing, and Kerri went to work.

✅ Idaho Housing financing
✅ Middleton, Idaho home purchase
✅ Closed in just 2 weeks
✅ Another 5-star review ⭐⭐⭐⭐⭐

Bill said:

“Kerri went above and beyond to get our loan approved quickly to support a rapid closing transaction. she was great!!!”

Congratulations on the new home, Bill, and thank you for trusting Kerri and 1st Choice Mortgage!

If you're looking to buy a home in Middleton, Nampa, Caldwell, Meridian, Boise or elsewhere in the Treasure Valley, we'd be happy to take a look at your mortgage options.

Company NMLS #380736
Equal Housing Opportunity

08/26/2026

⭐⭐⭐⭐⭐ Another 5-Star Review!

One of the best compliments we can receive is when a client comes back and works with us again.

Leilani was purchasing an investment property in Idaho Falls, and Kerri was able to help her get prequalified the same day while keeping the entire mortgage process clear and easy.

Here’s what Leilani had to say:

“Kerri is thorough and professional and helped us prequalify, same day! She made the loan process easy and clear! I’m a repeat customer and I will continue to use her services! Highly recommend!!”

Thank you, Leilani, for trusting Kerri and 1st Choice Mortgage again!

🏠 Looking at an investment property in Idaho?

We work with borrowers throughout Idaho and can help you explore your available financing options.

08/20/2026

Pretty good article and video on Micron from CNBC today, although I might be slightly biased

Micron's AI-fueled rise and expansion are creating jobs and wealth in Boise, Idaho, while adding pressure to housing, traffic and the city's identity.

08/13/2026

🏡 Sometimes getting a first-time buyer into a home takes a little thinking outside the box!

Michelle recently purchased her first home in Nampa using a first-time home buyer program with down payment assistance, and she shared this about working with Kerri:

⭐⭐⭐⭐⭐

“Great communication and was creative in thinking outside of the box in how to get me the best deal and rate!”

That’s what we love to hear.

Not every first-time buyer fits neatly into the same mortgage box. Sometimes the difference between continuing to rent and becoming a homeowner is having someone take the time to look at the available programs, compare the options, and find a solution that fits.

Congratulations, Michelle, on becoming a homeowner! 🏡🎉 And thank you for trusting Kerri and the 1st Choice Mortgage team to help get you there.

👉 First-time buyer—or Realtor working with one? Before assuming your buyer needs a huge down payment, give us a call. There may be options you haven't considered.

🌐 375Loan.com
NMLS #380736 | Equal Housing Opportunity

08/12/2026

🏠 Buying an Idaho rental property? You may not need your tax returns to qualify.

For real estate investors, DSCR loans work differently than traditional mortgages. Instead of qualifying primarily from your personal income, we're looking at the rental property's cash flow.

That means:

✅ No tax returns
✅ No W-2s or pay stubs
✅ No employment verification
🏘️ Long-term investment properties
🌴 Short-term rentals like Airbnb & VRBO
🏢 LLC ownership may be available
⏱️ We commonly close in 15–21 days

I just put together a new guide explaining how Idaho DSCR loans work, how the DSCR ratio is calculated, what properties may qualify, and what real estate investors should know before making an offer.

I also built a free DSCR calculator so you can plug in the property's rental income and estimated payment and see how the numbers look.

👇 Read the new Idaho DSCR guide:
https://youtu.be/VO5dJ4GzBYI

🧮 Free DSCR Calculator:

If you're looking at an investment property anywhere in Idaho, give me a call. We can run the numbers and compare DSCR programs from multiple wholesale lenders.

📞 (208) 375-5626

1st Choice Mortgage Company, LLC
NMLS #380736 | Equal Housing Opportunity

Looking for a DSCR loan in Idaho? DSCR loans allow real estate inve...

08/07/2026

🏠 Who REALLY pays the closing costs when you buy a home in Idaho?

The buyer? The seller? The lender?

The answer might actually be… all three.

One of the biggest misconceptions I see is buyers thinking their down payment and closing costs are the same thing. They’re not.

And here’s something else a lot of buyers overlook: not every mortgage lender charges the same fees.

Everybody asks, “What’s your rate?”

But you should also be asking:

👉 “What are you charging me to get that rate?”

At 1st Choice Mortgage, we don’t charge unnecessary junk fees. Keeping those extra lender fees out of the transaction is one way we work to reduce our borrowers’ overall closing costs.

I put together a new Idaho closing-cost guide (with a short video) explaining:

✅ What buyers typically pay
✅ When sellers can help with closing costs
✅ Seller credits vs. lowering the purchase price
✅ What Realtors should know before writing an offer
✅ How to compare lender fees and Loan Estimates

And yes, I even explain why shopping for a mortgage can sometimes feel a little like buying concert tickets online. 😁

👇 Read the guide: https://375loan.com/who-pays-closing-costs-idaho/

If you know someone buying a home in Idaho, please share this with them. It might save them some money—and definitely some confusion.

1st Choice Mortgage Company | Company NMLS #380736 | Equal Housing Opportunity

07/31/2026

Is August one of the best times to buy a home in Idaho?

Many buyers assume spring is always the best season to purchase a home.

But late summer can sometimes provide additional negotiating opportunities, seller concessions, and mortgage rate buydowns.

In this Blog, I explain why August may be worth considering—and how choosing the right loan program can make a significant difference.

Link to this weeks Blog: https://375loan.com/august-idaho-homebuyer-market-strategy/

I also demonstrate two new free tools we've added to our website:

🏠 Idaho Housing Calculators: https://375loan.com/idaho-housing-home-loans/

🌾 USDA Rural Development Calculator: https://375loan.com/usda-rural-development-home-loan/