FHA Mortgage for ALL types of homes!

FHA provides lots of opportunities for getting a home mortgage,
EVEN with challenged credit!

Purchase a Home Qualifier  Refinance a Home Qualifier

FHA Home Mortgage Loans in Idaho

FHA Home Purchase Standard Mortgage

The FHA mortgage program allows home buyers with little to challenged credit to become homeowners.

  • Minimum FICO Score: 580
  • Minimum Down Payment:  3.5% (Assistance Available)
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Debt to Income:
    < 620: 31/43%
    > 620: Up to 55%
  • FHA Loan Limits:  View FHA loan limits
  • Seller can pay up to 6% towards Closing Costs
  • Foreclosure:  3 years after Discharge
  • Bankruptcy 7:  2 years after Discharge
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.

 

FHA Home Purchase 500 Program Mortgage

FHA home mortgage program that allows a person with less than stellar credit to get into a home with minimal down payment.

  • Minimum FICO Score: 500
  • Minimum Down Payment: 10%
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Debt to Income Ratio:  31% Housing, 43% Total
  • FHA Loan Limits:  View FHA loan limits
  • Seller can pay up to 6% towards Closing Costs
  • Foreclosure:  3 years after Discharge
  • Bankruptcy 7:  2 years after Discharge
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.

More Information

 

FHA Home Purchase No Score Mortgage

Don't have a FICO score due to new credit or not enough credit? No problem!

  • Minimum FICO Score:  None
  • Minimum Down Payment:  3.5% (Assistance Available)
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Debt to Income Ratio:  31% Housing, 43% Total
  • FHA Loan Limit:  View FHA loan limits
  • Seller can pay up to 6% towards Closing Costs
  • No Foreclosure
  • No Bankruptcy
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.
  • 2 Months of PITI in Reserve
  • Need 3 Non-Traditional Tradelines

 

FHA 203K Full / Streamline Mortgage

Found a home that needs a little fix up before you move in? FHA has a GREAT loan for you!

  • Minimum FICO Score: 580
  • Minimum Down Payment:  3.5% (Assistance Available)
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Debt to Income:
    < 620: 31/43%
    > 620: Up to 55%
  • FHA Loan Limits:  View FHA loan limits
  • Seller can pay up to 6% towards Closing Costs
  • Foreclosure:  3 years after Discharge
  • Bankruptcy 7:  2 years after Discharge
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.
  • Streamline:  Up to $35,000
  • Full:  Over $35,000 and Structural

More Information

 

FHA Home Refinance Streamline / Regular Mortgage

Need to lower your interest rate or cash out some equity to pay bills.

  • Minimum FICO Score: 580
  • Loan to Value:  Up to 96.5%
  • Down Payment from a Gift:  N/A
  • Debt to Income:
    < 620: 31/43%
    > 620: Up to 55%
  • FHA Loan Limits:  View FHA loan limits
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.
  • Foreclosure:  3 years after Discharge
  • Bankruptcy 7:  2 years after Discharge
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.
  • Appraisal:​
    Streamline = NONE!
    Regular = Yes need one.

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Purchase a Home Qualifier Refinance a Home Qualifier

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