Jumbo Loans in Boise, ID
Financing above the conforming limit for higher-priced homes.
Work directly with Jodie Barber, a mortgage broker with 30 years of experience serving Boise and all of Ada County.
Boise at a glance
State capital and price anchor of the Treasure Valley. Heavy California/PNW in-migration; the head 'mortgage broker Boise' term is owned by directories and 375loan.com — beat with personal brand + entity + real local data. USDA only on the rural fringe.
Serving Boise neighborhoods including North End, East End, Boise Bench, Southeast Boise, West Boise, Harris Ranch.
Why a jumbo loan in Boise?
Buyers in higher-cost markets purchasing above the 2026 conforming/high-cost limit.
- ✦Loan amounts above the conforming limit
- ✦Competitive jumbo rates and terms
- ✦Options for strong-credit, higher-reserve borrowers
Idaho Housing Down Payment & Closing Cost Assistance (Second Mortgage) — up to 8% of the sales price. Household income at or below $170,000 (some products require lower, county/household-size-based limits, e.g. Ada 1-2 person ~$108,978); typically 620+ FICO for conventional / 580+ for FHA; complete an IHFA-approved homebuyer education course ('Finally Home!'). Buyers can purchase with as little as ~$500 out of pocket.
Jumbo Loans FAQ
- When do I need a jumbo loan?
- When your loan amount exceeds your county's 2026 conforming limit. I'll tell you the exact threshold for your area and whether a jumbo is needed.
“Homeownership is a partnership.” Let's talk about your jumbo loan in Boise. No pressure — just straight answers from someone who's done this for 30 years.