About Us

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The maximum 2022 conforming mortgage loan limit in Idaho is $647,200, for a single-family home. This applies to every county in Idaho. We lend on mortgages above the conforming loan limit with as little as 5% down up to a loan amount of $915,000.

Are you looking for a jumbo mortgage putting 5% down?

20%

A jumbo mortgage is a home loan for an amount that exceeds conforming loan limits established by the federal housing finance agency. The conventional loan limit is $647,200 in Idaho.

-Borrowers can now put as little as 5% down up to a $850,000 loan amount.

-Borrowers can now put as little as 10% down up to a $1,000,000 loan amount.

-20% down up to $3,000,000

-Other products available on a case by case basis

-Minimum credit scores of 620 are eligible on some jumbo products.

We specialize in jumbo mortgages in Idaho (meaning loan amounts over $548,250). Most conventional lenders require a 20% down payment on these loans. We will work with your situation so you can keep more money in your pocket (for example, with smaller down payments as low as 5%).

These programs are available in all of Idaho.

Yes! We lend on jumbo mortgages for self employed borrowers. This includes, for example, business owners, doctors, attorneys, and dentists. Must be in business for at least one year. Your monthly income is calculated based on your monthly bank deposits not your taxes. Refinance options available too!

We now have jumbo mortgage options for buyers with credit scores down to 620! The lower your credit score the more you will need to put down.  Refinance cash options are also available for scores down to 620.

Yes!  We now have no documentation investment jumbo cash out options up 75% LTV.  This means the underwriting approval is based on the property and not your income.  No tax returns are needed.

© Paramount Residential Mortgage Group, Inc. (NMLS ID 75243). All Rights Reserved. See www.nmlsconsumeraccess.org for details about licensure. Please see Privacy Policy and Licensure tabs below for important disclosures. All loan products subject to change. Credit qualification required. Please fill out a loan application to receive a detailed quote. Loan products not available in all areas, such as NY and WY.

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Joe Post Branch Manager /Senior Loan Officer, NMLS# 117147