Gabe McGuire - Idaho Home Loans NMLS 1200094 380736

09/18/2026

Who has a new listing or open house this weekend? Drop the address below or DM me. I’ll send you a House Canary valuation and neighborhood report.

09/17/2026

Exciting news!!

Manufactured homes are now eligible for conventional financing!
This is for real property on a permanent foundation

09/14/2026

Realtor.com Names Week of Sept. 27 the "Best Time to Buy" in 2026
Realtor.com released its 2026 Best Time to Buy report, identifying the week of September 27 as the premier window for prospective homebuyers nationwide. The report points to a combination of expanded active inventory, higher rates of price reductions, and reduced buyer competition arriving slightly earlier this fall compared to previous years.

09/14/2026

🏠 Want to buy a home someday? Start with your credit.

I wrote a book.

Mortgage-Ready: A Homebuyer’s Credit Masterclass

After years in the mortgage business, I’ve watched too many good people put their homeownership plans on hold because they were confused—or simply misinformed—about credit.

They’ve been told things like:

❌ Checking your own credit will hurt your score
❌ You need to carry a balance on your credit cards
❌ Paying off a collection automatically fixes your credit
❌ You should avoid having your credit pulled
❌ A credit repair company is the answer
❌ A great credit score automatically means you can afford more house

A lot of this advice is wrong—or missing an important piece of the story.

I wrote Mortgage-Ready to pull back the curtain and explain how credit actually works when your goal is buying a home.

Inside, I break down:

📊 Why the score you see on a credit app may not be the score your mortgage lender uses

💳 How to use credit cards strategically without going into debt

🔎 The truth about hard inquiries and mortgage rate shopping

🧾 How collections, disputes and other derogatory accounts can affect a mortgage

📉 Why your debt-to-income ratio can be just as important as your credit score

🎓 The “phantom payment” that can make student loans affect your buying power—even when your payment is $0

🚗 Why buying a car before buying a house can dramatically reduce your home-buying budget

🔑 And what NOT to do after you're pre-approved and under contract

This isn't a book about quick credit hacks.

It's about understanding the rules so you can make better decisions.

Whether you're planning to buy a home next month or a couple of years from now, I want you to have the information you need to become Mortgage-Ready.

📖 Mortgage-Ready: A Homebuyer’s Credit Masterclass
By Gabe McGuire, Senior Loan Officer

If you're in Idaho—or planning a move here—and want to understand how your credit could affect your home-buying plans, let's connect.

👉 gabemcguire.com

NMLS #1200094 | 1st Choice Mortgage Co., LLC | NMLS #380736

08/21/2026

Who is hosting an open house this weekend or has a new listing? Drop the address below or send me a DM. I’ll send you a free House Canary valuation and neighborhood report.

08/21/2026

So proud to see our owner, Jerry Robinson, featured in CNBC today! 🗞️👏
He sat down with them to discuss Micron’s massive chip fab expansion here in Boise and what a project of this scale means for our local housing market. It’s exactly this kind of deep market knowledge and leadership that makes me so proud to be part of the team at 1st Choice Mortgage Company, LLC.

If you want to know how this historic growth will impact the Treasure Valley, this is a must-watch! 👇

https://www.cnbc.com/2026/08/20/micron-boise-chip-fab-expansion.html?fbclid=IwY2xjawT1YoNwZG9mBWV4dG4DYWVtAjEwAGJyaWQRMWFNdGtGblRsOHB6b0w0S25zcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEeAwkxNljjrdv1XgHGT4EGfWVc4U35MP_bAHppPE8nXLQqZ8St5cy8avMqi4o_aem_knu5CIqmZbVdWRX4qzKNKg

What do you think is the biggest change coming to Boise with the Micron expansion? Drop your thoughts below! ⬇️



Equal Housing Opportunity NMLS 1200094, 380736

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.

08/14/2026

Who is hosting an open house this weekend?
Drop the address here.
I've got something for you! 😁

06/14/2026

Having a paid off car makes you never want to have a car payment ever again!