THE FHA IN IDAHO

FHA loans have been helping Idaho residents since 1934 

 

FHA IDAHO

A licensed Idaho FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing

 

Idaho First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in Idaho with  help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Idaho FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.  

Idaho FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you are not left to figure out everything completely on your own.  

 

Idaho FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√    Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

Idaho FHA Lending Limits 2022

County Name Single Duplex 3 Unit 4 Unit
ADA $275,665 $352,950 $426,625 $530,150
   BOISE CITY, ID
ADAMS $275,665 $352,950 $426,625 $530,150
BANNOCK $275,665 $352,950 $426,625 $530,150
   POCATELLO, ID
BEAR LAKE $275,665 $352,950 $426,625 $530,150
   NON-METRO
BENEWAH $275,665 $352,950 $426,625 $530,150
BINGHAM $275,665 $352,950 $426,625 $530,150
   BLACKFOOT, ID
BLAINE $636,150 $814,500 $984,525 $1,223,475
   HAILEY, ID
BOISE $275,665 $352,950 $426,625 $530,150
   BOISE CITY, ID
BONNER $275,665 $352,950 $426,625 $530,150
   SANDPOINT, ID
BONNEVILLE $275,665 $352,950 $426,625 $530,150
   IDAHO FALLS, ID
BOUNDARY $275,665 $352,950 $426,625 $530,150
BUTTE $275,665 $352,950 $426,625 $530,150
   IDAHO FALLS, ID
CAMAS $636,150 $814,500 $984,525 $1,223,475
   HAILEY, ID
CANYON $275,665 $352,950 $426,625 $530,150
   BOISE CITY, ID
CARIBOU $275,665 $352,950 $426,625 $530,150
CASSIA $275,665 $352,950 $426,625 $530,150
   BURLEY, ID
CLARK $275,665 $352,950 $426,625 $530,150
CLEARWATER $275,665 $352,950 $426,625 $530,150
CUSTER $275,665 $352,950 $426,625 $530,150
ELMORE $275,665 $352,950 $426,625 $530,150
   MOUNTAIN HOME, ID
FRANKLIN $275,665 $352,950 $426,625 $530,150
   LOGAN, UT-ID
FREMONT $275,665 $352,950 $426,625 $530,150
   REXBURG, ID
GEM $275,665 $352,950 $426,625 $530,150
   BOISE CITY, ID
GOODING $275,665 $352,950 $426,625 $530,150
IDAHO $275,665 $352,950 $426,625 $530,150
JEFFERSON $275,665 $352,950 $426,625 $530,150
   IDAHO FALLS, ID
JEROME $275,665 $352,950 $426,625 $530,150
   TWIN FALLS, ID
KOOTENAI $275,665 $352,950 $426,625 $530,150
   COEUR D'ALENE, ID
LATAH $275,665 $352,950 $426,625 $530,150
   MOSCOW, ID
LEMHI $275,665 $352,950 $426,625 $530,150
LEWIS $275,665 $352,950 $426,625 $530,150
LINCOLN $636,150 $814,500 $984,525 $1,223,475
   HAILEY, ID
MADISON $275,665 $352,950 $426,625 $530,150
   REXBURG, ID
MINIDOKA $275,665 $352,950 $426,625 $530,150
   BURLEY, ID
NEZ PERCE $275,665 $352,950 $426,625 $530,150
   LEWISTON, ID-WA
ONEIDA $275,665 $352,950 $426,625 $530,150
   NON-METRO
OWYHEE $275,665 $352,950 $426,625 $530,150
   BOISE CITY, ID
PAYETTE $275,665 $352,950 $426,625 $530,150
   ONTARIO, OR-ID
POWER $275,665 $352,950 $426,625 $530,150
SHOSHONE $275,665 $352,950 $426,625 $530,150
TETON $636,150 $814,500 $984,525 $1,223,475
   JACKSON, WY-ID
TWIN FALLS $275,665 $352,950 $426,625 $530,150
   TWIN FALLS, ID
VALLEY $275,665 $352,950 $426,625 $530,150
WASHINGTON $275,665 $352,950 $426,625 $530,150
   NON-METRO