The first step to buying a home is finding a loan that meets your financial needs. Our local mortgage lenders take the time to get to know you and fully understand your long-term goals.
We offer the following types of mortgage loans:
Conventional loans have separate down payment requirements, depending on the specific situation, and are typically more attractive for individuals with good credit scores and/or the ability to contribute a substantial down payment.
VA loans provide 100% financing options when purchasing or refinancing a home for current or ex-military personnel.
FHA loans require a relatively low down payment and are insured through the U.S. Federal Housing Administration.
Rural Development loans provide 100% financing options when purchasing or refinancing a home located in a rural area.
Idaho Housing offers unique loan products, with features such as:
- Low down payment and closing cost assistance
- Lowest financing rates in Idaho
- Homebuyer tax credits where you can get up to $2,000 or 35% of the total mortgage interest paid in income tax credits each year for the life of the loan
When considering refinancing a loan in Idaho, it is critical to understand the process, benefits, and difficulties. Refinancing entails replacing a current loan with a new one, usually with better terms or interest rates.
