1st Choice Mortgage Company, LLC

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/

07/10/2026

🚨 Idaho Homebuyers & Realtors: Big changes are happening in the market right now!

In my latest weekly update, I’m breaking down the most critical things you need to know:

📉 Idaho Housing Bond Loans are running out! They are sitting about a half-point lower than regular rates, and they recently increased the income limits. If you want to take advantage of this, the clock is ticking.
📊 Should You Buy in 2024? I put together a deep dive looking at the actual data (not just biased opinions) on what it looks like if you buy now vs. waiting.
🛠️ HUGE VA Appraisal Updates: New rules as of May 1st on peeling and flaking paint that will make closing a lot smoother! Plus, a full breakdown of what fees a VA buyer can actually pay.

Watch the full video on YouTube to get all the details and data!
👉 https://youtu.be/zTD6eXot_6A

07/07/2026

Do Veterans Really Pay NO Closing Costs?

It's one of the biggest myths I hear.

Many people believe that VA loans have zero closing costs or that the seller is required to pay all of the veteran's closing costs. The truth is, neither of those statements is entirely accurate.

In my latest video, I explain:

✅ What closing costs veterans can pay

✅ Which fees are considered non-allowable

✅ How the VA 1% Rule works

✅ The difference between closing costs and seller concessions

✅ Why the VA home loan remains one of the best benefits available to those who have served

If you're a Veteran, active-duty service member, military family, or Realtor who works with VA buyers, this video will help clear up some of the confusion.

🎥 Watch the video here:
https://youtu.be/-AgKGz65kBg

📖 I also created a complete guide that breaks everything down in even more detail:
https://375loan.com/va-allowable-closing-costs/

If you found this helpful, please Like, Share, and Tag a Veteran or Realtor who could benefit from this information.

Thank you to all who have served our country! 🇺🇸