Borrower situations · Idaho
Loan officers for borrowers with low credit scores in Idaho
As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Idaho whose lender pages show Low credit score work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle), Vince Paul Ventura (Guild Mortgage, Salem) and Bill Hunter (Evergreen Home Loans, Sandpoint). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 4
- 1
Michelle MuqtadirNMLS 143470
CrossCountry Mortgage · Seattle, WA · licensed in 11 states
- Low credit score
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- FHA loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 2
Vince Paul VenturaNMLS 9030
Guild Mortgage · Salem, OR · licensed in 4 states
- Low credit score
- Construction loan
- FHA loan
- First-time buyer
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Bill HunterNMLS 1652774
Evergreen Home Loans · Sandpoint, ID · licensed in 6 states
- Low credit score
- Down payment assistance
- Self-employed
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- No disciplinary actions on file at LenDb
- 4
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 27 states
- Low credit score
- Non-QM loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Lender overlays often exceed program minimums, so finding a lender that lends to the actual program floor matters.
- What is your actual minimum score for this program?
- Can you help me with a rapid rescore?
- How much will my score affect my rate and mortgage insurance?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in ID or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=low-credit&state=ID. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.