

When Tom and his wife, Faithann, found out they had to move out of their rental in St. Maries, they weren’t sure what to do next. With local rents rising fast, finding another affordable place to live felt overwhelming. That’s when Faithann suggested something they hadn’t seriously considered—buying a home. “I was pretty pessimistic,” Tom…

Buying your first home in Idaho just got more affordable. Idaho Housing recently increased income and sales price limits for its First Loan Tax-Exempt home loan product. This means more first-time homebuyers can now access lower rates, often up to 1% lower than other loan programs! In addition to lower rates, eligible buyers can access…

Kiesha can see the finish line. With just two semesters left to complete her master’s degree in social work, she’s looking to the future. She’s putting plans together for her private practice and thinking about the freedom it will give her to set her own hours. She’s thinking about the extra time she’ll spend with…

Whether you are a homebuyer or you are working to become one, Finally Home! is the right choice for you. Finally Home! offers the essential education and expert support to ensure that everyone has the opportunity for a safe, stable home where they can flourish. It even helps move-up homebuyers and renters. We believe so…

Every year, the mission of Idaho Housing and Finance employees is to do our best for the people we serve. The work our organization does is the focus of our annual Community Report, which highlights the people we serve, our partnerships and the reasons behind what we do. Idaho Housing is proud to showcase our…

Technology has changed the way people buy homes and Idaho Housing and Finance is helping lead the way with the introduction of its eNote program. eNote technology allows Idaho Housing to securely accept, purchase and deliver electronic mortgage notes through the Mortgage Electronic Registration System. MERS says use of eNotes grew 261% in 2020. “Accepting…

The idea of lowering mortgage payments, consolidating debt, or having extra cash on hand can be alluring. You’ll know if refinancing is your best financial move after crunching a few numbers. Let’s get started! Two types of refinanced mortgages: rate-and-term or cash-out When you’re asking a lender to consider you for a mortgage refinance, you’re…

We’ve seen what an important role essential workers in Idaho have played during the COVID-19 pandemic. Whether you are a law enforcement officer, firefighter, paramedic, nurse, doctor, teacher, retail employee, or a current or former member of the military, you’ve stepped up for all of us. Now, Idaho Housing and Finance Association wants to say…