Your property is located in Idaho (we cannot broker residential loans outside Idaho).
Home Loans Idaho
Flexible home loans for Idaho homeowners
Get a fast, flexible, owner-occupied home loan in Idaho. We work with all credit profiles, including those with low credit ratings, recent bankruptcies, or nontraditional properties.
Tired of the rigid, automated loan process?
Does this sound familiar? You have a good down payment and the income to afford a home, but a single number on a credit report or an unusual income source stops you cold. Big banks and conventional lenders use a one-size-fits-all approach that ignores your full story. They just see a number that doesn’t fit their narrow box.
Your financial history is just part of your story. You deserve a solution that sees the person, not just the report.
Your solution: An Idaho lender that focuses on what matters
Hopkins Financial Services, Inc. is licensed only in the State of Idaho to broker loans for owner-occupied residential properties — that is, any home you live in, from single-family homes up to four-unit dwellings.
Because these loans are federally regulated, they require full income documentation (to determine the ability to repay) and a standard residential appraisal. We pride ourselves on being an equal housing lender.
But unlike traditional banks, we work with all property types and all credit profiles.
Here’s how it works:
If you have a reasonable down payment (typically 30% or more), we can provide the financing you need. Instead of focusing on complex credit scores, we base approval on the property itself. This practical approach allows us to be fast, be flexible, and say “yes” when traditional lenders say “no.” It’s the key to getting you out of the frustrating cycle of rejection and into the house you deserve.
If you're in one of these situations, we can help
Wondering if a Hopkins Financial loan is right for you? We may be a great fit if you’re in one of these situations:
The Hopkins advantage: A fair, transparent loan
We are your partner, not just your lender. Our goal is to set you up for success with clear, simple terms. With a Hopkins Financial loan, you can have peace of mind knowing that there is still a financing solution for those borrowers who don’t meet the traditional lending mold.
Loan details and requirements
Ready to explore your options? Here’s a clear breakdown of our loan program, including the key details and requirements you need to know.
Other fees do apply in order to close a loan, including but not limited to: Credit Report, Appraisal and/or Realtor Opinion of Value, Tax Service Inspection, Flood Certificate Fee, Extended Title Insurance and Closing Cost Fees, Long-Term Escrow, and Recording Fees. NMLS #2631 / MBL #910 Hopkins Financial Services, Inc. is an Equal Housing Opportunity broker and financing is available to all persons regardless of race, color, religion, sex, handicap, familial status or national origin.
Helpful resources for Idaho homebuyers
Get answers and insights from our local lending experts. Explore our articles to learn more about navigating the Idaho housing market and securing the right financing for your needs.
Government Shutdown 2025: What It Means for Mortgages — and Why Private Lending Through Hopkins Financial Services Isn’t Affected
As of October 1, 2025, the U.S. federal government is officially in a shutdown — leaving many borrowers, real estate professionals, and lenders…Read more
Late-Summer Rate Dip Sparks Market Movement — But Private Lending Still Has a Vital Role
Mortgage rates may have edged up last week, but their steady slide over the summer had a powerful effect: buyers are…Read more
Frequently asked questions
What is the minimum credit score required for a home loan?
We don’t have a strict minimum credit score. Unlike banks that may automatically deny anyone below 640, we focus on the property’s equity and your ability to repay the loan. We believe your assets, not just your score, offer a better measure of your financial situation. This makes us a great option for borrowers looking to rebuild their credit.
How much down payment do I need?
Typically, we lend up to 70% of the property’s appraised value, so you would generally need a down payment of at least 30%. A larger down payment can strengthen your application and demonstrate a strong commitment to the loan.
What will my monthly payment be on a loan?
Your monthly payment depends on factors such as the loan amount, interest rate, and loan term. With our fixed interest rates and fully amortized loans, your monthly mortgage payment will stay stable and predictable throughout the life of the loan, making it easier to budget for your new home.
Are your loans a good fit for a first-time homebuyer?
We understand that as a first-time buyer, you may have questions about the process. Our experienced loan officers will walk you through every step, helping you understand your loan options and find the right payment plan.
How is this different from a traditional mortgage loan?
While traditional mortgage loans often have strict credit requirements and lengthy approval processes, we focus on the property’s equity and your ability to repay the loan.
Ready to see if you qualify for a home loan?
With Hopkins Financial Services, your dream home in Idaho is within reach. With over 40 years of local experience and a common-sense lending approach, we can offer more than just traditional loans. We also provide flexible loan programs to fit our clients’ specific needs. Take the first step today by getting a free, no-obligation quote from an expert who is ready to say “yes.”