Resources

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2023

• Program Bulletin 2023-9 (Tax-Exempt Program Update) November 2
• Program Bulletin 2023-8 (Idaho Heroes Tax-Exempt Program – UPDATED) September 27
• Program Bulletin 2023-7 (Tax-Exempt Program Recapture Reimbursement Guarantee) July 25
• Program Bulletin 2023-6 (New Income and Sales Price Limits) May 25
• Program Bulletin 2023-5 (Improved Method of Communicating Rates) March 30
• Program Bulletin 2023-4 (Supplemental Consumer Information Form) March 28
• Announcement (Idaho Housing Tax-Exempt Program Trainings) March 23
• Program Bulletin 2023-3 (New Pricing for Our DPCC Assistance) March 21
• Program Bulletin 2023-2 (Update to Loan-level Price Adjustments) February 27
• Program Bulletin 2023-1 (Big News Regarding Our Tax Exempt-Programs) February 7

2022

• Program Bulletin 2022-14 (New First Loan Tax Exempt Income Limits and Updated Documents) December 22
• Program Bulletin 2022-13 (Another Affordable Offering From IHFA At 5.75%) November 29
• Program Bulletin 2022-12 (Temporary Buydowns Are Now Available!) November 22
• Program Bulletin 2022-11 (Our HFA Programs Just Got Better) November 9
• Program Bulletin 2022-10 (Address Confidentiality Program) October 3
• Program Bulletin 2022-9 (Standardized Loan Delivery Process) August 19
• Program Bulletin 2022-8 (MCC Program Temporarily Suspended) August 8
• Program Bulletin 2022-7 (Extended Lock Program & New Income Limits) June 29
• Program Bulletin 2022-6 (Standard Affordable Housing Initiative) June 9
• Program Bulletin 2022-5 (New Income Limits) May 23
• Program Bulletin 2022-4 (More Great News on DPCC) May 13
• Program Bulletin 2022-3 (Fannie Mae/Freddie Mac Standardized 2nd Loan Documents) April 28
• Program Bulletin 2022-2 (DPCC Now Up To 10% Of Sales Price) April 26
• Program Bulletin 2022-1 (DPCC Second Mortgage Credit Score Requirement Is Now 620) March 11

2021

• Program Bulletin 2021-13 (Increased Loan Limits for 2022) Dec 14
• Program Bulletin 2021-12 (Standardized Docs for HFA DPCC Programs) Dec 1
• Announcement (Idaho Housing Product Training) – Nov 22
• Program Bulletin 2021-11 (Changes to our DPA Programs) Nov 16
• Program Bulletin 2021-10 (Important Reminder For Our Lender Partners) Nov 04
• Program Bulletin 2021-9 (Idaho Housing Now Accepts eNotes) Oct 25
• Program Bulletin 2021-8 (Changes to our First Loan Program) Sept. 23
• Program Bulletin 2021-7 (Fannie Mae RefiNow and Freddie Mac Refi Possible) July 29
• Program Bulletin 2021-6 (New Income Limits for 50% and 80% AMI Programs) June 8
• Program Bulletin 2021 -5 (Announcing New Income and Sales Price Limits) May 05
• Program Bulletin 2021-4 (Idaho Heroes Loan Reimagined) March 04
• Program Bulletin 2021-3 – (Important Deadline for URLA) Feb 18
• Program Bulletin 2021-2 (A change to the Idaho Heroes Loan Program) Feb 1
• Program Bulletin 2021-1 (Idaho Heroes 2.125% Rate May be Going, Going, Gone…) Jan 11

2020

• Program Bulletin 2020-11 (The Holiday Season Is A Perfect Time To Give Back To Idaho Heroes) Dec 02
• Program Bulletin 2020-10 (LLPA’s now applied to Freddie Mac loans) Nov 17
• Program Bulletin 2020-9 (Idaho Heroes Loan Program rate now at 2.125%) Nov 09
• Program Bulletin 2020-8 (We Have Expanded our Idaho Heroes Home Loan Program) Oct 25
• Excellent Job To Our Lending Partners For Q3 2020 (Oct. 16)
• Fantastic Job To Our Mortgage Broker Partners For Q3 2020 (Oct. 16)
• Program Bulletin 2020-7 (Free Forbearance Advice Available for Idaho Borrower) Sept. 30
• Program Bulletin 2020-6 (New Flood Determination Provider & Lender Retained Payments) Sept 25
• Program Bulletin 2020-5 (Important updates effective immediately) Aug 24
• Program Bulletin 2020-4 (Income Limits and Loan Processing Updates) July 22
• Congratulations Top Lending Partners Q2 (July 14)
• Congratulations Top Mortgage Broker Partners Q2 (July 14)
• Congratulations Top REALTOR® Partners Q2 (July 14)
• Program Bulletin 2020-3 (New Sales Price and Income Limits) May 26
• Announcement (Streamlined Loan Purchase Timeline) – (Update) May 08
• Congratulations Top Lending Partners Q1 (April 14)
• Congratulations Top Mortgage Broker Partners Q1 (April 14)
• Congratulations Top REALTOR® Partners Q1 (April 14)
• Program Bulletin 2020-2 (COVID-19 Update) March 27
• Program Bulletin 2020-1 (Update to Program Bulletin 2019-11) Feb 06

2019

• Program Bulletin 2019-11 (Changes to Freddie mac’s HFA Advantage Loan Product) – Dec 26
• Program Bulletin 2019-10 (Finally Home!® FREE for many homebuyers) – Oct 28
• Announcement (Fantastic Job Idaho Housing Lending Partners Q3 2019) – Oct 11
• Announcement (Excellent Job Idaho Housing Broker Partners Q3 2019) – Oct 09
• Announcement (Mortgagee Clause update) – Sept 19
• Clarification of HBE Requirements Effective Oct 1, 2019 – Sept 18
• Program Bulletin 2019-8 (Program Changes Effective September 5) – Sept. 3
• Program Bulletin 2019-7 (Changes to VA and FHA Cash Out Refinances) – Aug 27
• Program Bulletin 2019-6 (New Income Limits for Fannie/Freddie) – Aug 6
• Announcement: (Freddie Mac Training) – Aug 05
• Announcement (The Forgivable Grant is now the Forgivable Loan) – July 19
• Program Bulletin 2019-5 (Product Updates) July 16
• Announcement (Top Lending Partners Q2) – July 09
• Announcement (Top Broker Partners YE 2018) – July 09
• Program Bulletin 2019-4 (Finally Home! HBE In-Person Classes FREE in JUNE) – May 29
• Program Bulletin 2019-3 (New Sales Price and Income Limits) – May 06
• Program Bulletin 2019-2 (New Lock Guidelines for Existing and New Construction) – April 02
• Program Bulletin 2019-1 (FHA’s Non-Permanent Resident Alien Guidelines and DACA) – Jan 16

Idaho Housing’s mortgage broker partners are required to contact one of the approved Appraisal Management Companies (AMCs) for an appraisal in the processing of an Idaho Housing loan. If you are an appraiser who would like to work with Idaho Housing’s mortgage broker partners, please contact our appraisal department at appraisals@ihfa.org to review how you can be added to the approved appraiser listing.

Appraiser Independence Requirements Plan

Idaho Housing lending partners are encouraged to underwrite and approve conventional loans requiring MI directly through one of the approved MI insurance companies listed below.

• MGIC – Mortgage Guaranty Insurance Corporation
• ESSENT – Essent Guaranty, Inc.
• Enact
• RADIAN
• National MI – National Mortgage Insurance Corporation
• ARCH MI – Arch Mortgage Insurance Company

The underwriting guide will give you the tools you need to originate, process and close your IHFA loans. To view Idaho Housing underwriting guidelines log into Lender Connection and navigate to the Idaho Housing Lending Library.

For a complete list of Idaho Housing participating lenders and mortgage brokers,
go to Find a Lender.

We have variety of marketing materials available to help you provide additional information to your clients about Idaho Housing and our home loans.

Brochures

Download and share any of these brochures with your clients, available in both English and Spanish.

• 4-PASOS para conseguir un préstamo asequible para la vivienda
• 4-Steps to Getting an Affordable Home Loan
• Housing Advisement Brochure
• Consejerìa Sobre La Vivienda Asistencia Con El Alquiler
• Finally Home!® Brochure
• Educaciòn Para Compradore De Casa Finally Home!®

Cobranded Flyers

To cobrand one of our product flyers, simply select and download the flyer you need to your desktop. Once downloaded, insert your contact information and company logo (logo must be in JPG format) into the fillable fields, and distribute to your clients as needed. Adobe Acrobat is needed to edit flyers, other PDF readers will not work. Adobe Acrobat reader is free to download.

• First Loan Tax Exempt Flyer
• Down Payment and Closing Cost Assistance Cobrand Flyer
• HFA Advantage Cobrand Flyer

Click to FAQs here