Idaho Housing First Loan Plus (purchase)

Excellent Program for 1st time home buyers and sometimes 2nd time home buyers that offers 100% financing.

• 96.5% 1st Loan
• Down Payment Assistance and Grants Available up to 5% =Learn More
• Minimum Credit Score 620
• First Time Home Buyer required except for Targeted Counties in Idaho
• Seller can pay for ALL Closing Costs
• Borrower just needs to have .5% of purchase price into transaction
• Closing Costs Assistance Available.
• Online Home Buyer's Class Required
• Family Income Restrictions
• Call for Details!  (208) 375-LOAN
• Any Idaho County

Idaho Housing Preferred  (purchase OR refinance)

Conventional loan with VERY loan Mortgage Insurance for 1st time home buyers.

• 97% 1st Loan
• 95% for Manufactured Homes, purchase only.
• Down Payment Assistance and Grants Available up to 5% (More Info)
• Minimum Credit Score 620
• First Time Home Buyer Requirements
• Seller can pay for ALL Closing Costs
• Borrower just needs to have .5% of purchase price into transaction
• Home Buyer Class required
• Family Income Restrictions
• Call for Details!  (208) 375-LOAN
• Any Idaho County

Idaho Housing Preferred 20 or 15 year  (purchase OR refinance)

Conventional loan with NO Mortgage Insurance for 1st time and 2nd time home buyers.

• 97% 1st Loan
• 95% for Manufactured homes, purchase only
• Down Payment Assistance and Grants Available up to 5%  (More Info)
• Minimum Credit Score 620
• NO First Time Home Buyer Requirements
• Seller can pay for ALL Closing Costs
• Borrower just needs to have .5% of purchase price into the transaction
• Home Buyer class may not be required
• Family Income Restrictions
• <$150,000 (as of 05/23/2022)
• Any Idaho County
• Link to Current Mortgage Rates

Idaho Housing FHA (purchase OR refinance)

We offer GREAT FHA loans throughout Idaho for both 1st Time Home Buyers and 2nd & Time Home Buyers!

• 96.5% 1st Loan
• Down Payment Assistance and Grants Available up to 5%  (More Info)
• Minimum Credit Score 620
• NO First Time Home Buyer Requirements
• Seller can pay for ALL closing costs
• Borrower just needs to have .5% of purchase price into the transaction
• Home Buyer Class may not be required
• Family Income Restrictions
• <$150,000 (as of 05/23/2022)
• Any Idaho County

Idaho Housing USDA Rural Development (purchase OR refinance)

RD loans throughout Idaho in qualified areas, GREAT 100% loan with VERY low mortgage insurance

• 100% Financing
• NO DOWNPAYMENT REQUIRED (More Info)
• Minimum Credit Score 620
• NO First Time Home Buyer Requirements
• Seller can pay for ALL closing co.5% of purchase price into transaction
• Home Buyer Class may not be required
• Family Income Restrictions
• Geographical Restrictions
• Learn more about Rural Home Loans

Idaho Housing Conventional Loans (purchase OR refinance)

We offer many Idaho Housing Conventional loans, 30 year, 20 year, and 15 year loans

• 95% Financing
• Down Payment Assistance and Grants Available up to 5%  (More Info)
• Minimum Credit Score 660
• No First Time Home Buyer Requirements
• Seller can pay for ALL closing costs
• Borrower just needs to have .5% of purchase price into transaction
• Home Buyer Class may not be required
• Family Income Restrictions
• <$150,000 (as of 05/23/2022)
• Any Idaho County