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Need preapproval for an FHA loan in Idaho

I can provide more info, the basics are my credit is 730, income is $60k/yr, and i'm only making car payments right now. The house I'm looking at is $200k. i can get a cosigner if needed by emanuelpastos2753 from Atomic City, Idaho. Jun 25th 2015 Reply


Michelle Garcia (MyGarciaTeam)
#53 ranked lender in Washington - 6 contributions

Your best bet would be to speak to a loan professional who can walk you through your options. Work with a lender such as Movement Mortgage to get Underwriter approved ahead of time so that you know exactly what programs/products you qualify for and what amount you qualify for. Please give me a call at your earliest convenience. 360.551.1816Michelle GarciaMovement Mortgage LLCNMLS# 196669

Jun 25th 2015
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Kerry Greenwald (kerry@creeksidem.com)
#99 ranked lender in Washington - 17 contributions

Emanuel, We can work on getting you pre-qualified for an FHA loan if you would like to give us a call at 208.424.6770 Creekside Mortgage!

Jun 25th 2015
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Ken Dunn (loanman)
#18 ranked lender in Idaho - 40 contributions

Hello, Im right here in Boise and know Idaho well, and Also Atomic City! The first City in America to be powered by Nuclear Energy. Fha works great and RD too- VA if your a Veteran that is eligible - Try my cell it's in the 208 208-250-5214 Ken Dunn #22644

Jun 25th 2015
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William J Acres (William_Acres)
#2 ranked lender in Arizona - 7,933 contributions

The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Jun 25th 2015
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Linda Miller (Linda Miller)
#2 ranked lender in Utah - 562 contributions

Sounds like you are in a perfect position to buy. Great credit, good income and very little debt. Based on the info above, I don't think you will need a co-signer but every situation is different once we get into the details. Best bet is to call and let me go over the details with you. There is a great My Community loan for first time home buyers with only 3% down. In many cases this is better than FHA and with your good credit scores you would probably qualify. Give me a call and we can discuss both. Linda Miller 801.550.1222. linda@lindamillergroup.com. I am in Salt Lake City and am licensed in Idaho.

Jun 25th 2015
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Sean Young (SeanYoung)
#2 ranked lender in Colorado - 1,107 contributions

It will depend on some other factors as well, how you get paid, how long you have been there, how much are your car payments, how much are the property tax and insurance, is there an HOA etc. A lot goes into getting a pre-approval. The best thing you can do is to contact a local loan officer, share your information and have them present you all of your available options so you can pick the option that is best for you. Best wishes, Sean

Jun 28th 2015
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