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.

Mary Ralls

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