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Last Updated: 04/18/2025

Fulcrum Home Loans

in Mortgage Brokers from Fulcrum Home Loans, LLC

Last Updated: 04/18/2025

Fulcrum Home Loans, LLC logo
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Fulcrum Home Loans Review

Fulcrum Home Loans services are offered by Fulcrum Home Loans, LLC (NMLS #1926444), a licensed broker founded in 2019 and based in Eagle, ID. Fulcrum Home Loans services available in 50 states and Washington, DC.

Fulcrum Home Loans FAQ

How does Fulcrum Home Loans get paid?

Mortgage brokers get paid either by lenders or by borrowers. However, they cannot receive compensation from both parties.

What fees does Fulcrum Home Loans charge?

Although cost should not be the only factor when choosing mortgage brokers, it is smart to compare the rates, fees, and services mortgage brokers offer before making a decision.

Does Fulcrum Home Loans charge broker administration fees?

No, Fulcrum Home Loans does not charge a broker administration fee.

Does Fulcrum Home Loans charge broker loan origination fees?

No, Fulcrum Home Loans does not charge a broker loan origination fees.

Does Fulcrum Home Loans charge broker upfront fees?

No, Fulcrum Home Loans does not charge broker upfront fees.

Does Fulcrum Home Loans charge a yield-spread premium?

No, Fulcrum Home Loans does not receive a yield spread premium from borrowers. Brokers that are paid a yield-spread premium from lenders have an incentive to steer borrowers to lenders thatt offer higher yield-spread premiums even if they qualify for a lower interest with another lender. This is not always bad for borrowers as it can lower the upfront costs of a mortgage. For instance, borrowers who only plan to hold a mortgage for a few years may find this option cheaper.

What mortgage programs does Fulcrum Home Loans offer?

Fulcrum Home Loans offers the following mortgage programs:
  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

36 N Fisher Park Way
Eagle, ID 83616
(208) 639-4000
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Hours of Operation

Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed

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