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There’s been a lot of talk about the housing market over the past few years. The record-low interest rates of 2021 quickly soared close to 8 percent by 2023. Housing prices jumped to new highs while the number of available homes on the market plummeted. The good news is that housing inventory is climbing now…

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Your home isn’t just a place to live—it’s an investment. And one of the most powerful ways it impacts your finances is through home equity. But what exactly is equity, and why should you care about it? What is Home Equity? Simply put, equity is the portion of your home that you actually own. It’s calculated like…

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Strong credit opens doors—even after you’ve bought your home. Here’s how to keep it working for you. You’ve already reached a major financial milestone: homeownership. But maintaining strong credit continues to be just as important—especially for protecting your investment and planning your next move. Here’s why good credit still matters after you’ve bought a home:…

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Your home is more than just a place to live. It’s a significant financial investment. We often get questions about whether making extra mortgage payments is a good idea. The answer depends on your financial situation and your goals. Here are some key factors to consider: HomeLoanServ ‘s article, Extra Mortgage Payments: Does It Make Sense…

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Life moves fast. Between work, family, and day-to-day responsibilities, it’s easy for your mortgage due date to slip your mind. But staying on top of your mortgage payment schedule is essential — not just to avoid late fees, but to protect your credit and stay financially healthy. Idaho Housing’s HomeLoanServ is here to help our…

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Yes, you can add value to your home without emptying your savings or racking up debt. With a little elbow grease and a willingness to do it yourself, you can transform your home into the living space you’ve always wanted. Where should you start?  As you consider what to do first, look at areas of…

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When rising rent costs made Bruno and Katherine reconsider their living situation, they turned to Idaho Housing and Finance for guidance—and found so much more. With the help of a knowledgeable REALTOR® and the Finally Home!® homebuyer education course, they discovered that homeownership was not only possible, it was within reach.  The Finally Home!® course…

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JaLynne’s move-in day in Idaho Falls was filled with joy and celebration. With the help of friends—and a huge smile—she unpacked the first boxes into her very own home.  “Today’s amazing,” she said. “It’s the first house I’ve ever bought. It’s like a dream come true.”  That dream didn’t happen overnight. It took years of…

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