Question 1

What credit score do I need to buy a home in Idaho?

Accepted Answer

Most conventional loans require a 620+ credit score. FHA loans can go as low as 580 with 3.5% down. VA loans have no official minimum but most lenders look for 620+. We work with all credit profiles.

Question 2

How much do I need for a down payment?

Accepted Answer

Down payment requirements vary by loan type. VA loans and USDA loans require 0% down. FHA loans require 3.5% down. Conventional loans start at 3% down. We'll help you find the best option for your situation.

Question 3

How long does it take to get pre-approved?

Accepted Answer

Pre-approval typically takes 24–48 hours once we have your documents. In many cases we can get same-day pre-approval.

Question 4

What is the advantage of using a mortgage broker vs a bank?

Accepted Answer

As a mortgage broker, Fulcrum Home Loans shops your loan across multiple wholesale lenders to find you the best rate and terms — something a single bank cannot do. This often results in lower rates and more flexible qualification options.

What brings you
here today?

Purchase

Refinance

What brings youhere today?

Purchase

Refinance

What brings you
here today?