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