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mortgages Buying a Home - Idaho Real Estate

Buying a Home - Idaho mortgages, down payment assistance and first time home buyer grants for buying Idaho real estate.

Research the available Idaho mortgages and home loan programs for buying Idaho real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Idaho real estate. 


Government grants for buying a home

Here are some links for government grants for buying a home in Idaho.

Homebuying Programs

Boise

Affordable housing loans (City of Boise) - the City of Boise, in conjunction with Key Bank, is offering an opportunity for lower income families to build a new home http://www.cityofboise.org/pds/Housing/programs.shtml

Hobbler Place (BC/ACHA) - a lease-to-own homebuying program for moderate income families http://www.bcacha.org/hobblerplace.htm

Region 3 (Adams, Boise, Canyon, Elmore, Gem, Owyhee, Payette, Valley, and Washington Counties)

Mutual Self-help Home Ownership Program (I.D.A.H.O.) (208) 455-9463 - assists low- and very low-income families with homeownership and the homeowner performs sweat equity

Self-help Home Ownership Program (I.D.A.H.O.) (208) 455-9463 - funds are used to assist in land acquisition for low- to moderate-income families and the homeowner performs sweat equity

Statewide

Community Home Loan Program (NHS) - 100% financing for qualifying buyers making less than 80% of the median income
http://www.boisenhs.org/lending.html

Down Payment Assistance Program (NHS) - Money for down payment assistance, closing costs, or rehab work
http://www.boisenhs.org/lending.html

First-Time Home Buyer Program (IHFA) - offers lower rates on mortgage loans for first-time home buyers http://www.ihfa.org/residential_loans.html

Interest Qualifier Loan (IHFA) - this loan allows borrowers to pay a lower interest rate for the first three years of their mortgage
http://www.ihfa.org/pdfs/RES_ENG_0502.pdf

Self-help Home Ownership Program (Mercy) - funds are used to assist in land acquisition http://www.mercyhousing.org/about/default.asp?action=where&location=idaho

Sources of funding - grants available to develop affordable housing and other community needs

Downpayment assistance providers - (west coast listing, sorted by city, search for ID cities) http://www.hud.gov/offices/hsg/sfh/np/dap_sna.pdf

Habitat for Humanity
http://www.habitat.org/local/

Financial Resources for Affordable Housing

City of Boise 
http://www.cityofboise.org/pds/apps.asp

City of Nampa
http://207.70.7.194/dep/pub/com/index.html

City of Pocatello http://www.ci.pocatello.id.us/departments/P&DS/neighborhoodservice/neighborhoodservices.html

Fannie Mae Foundation
http://www.fanniemaefoundation.org/grants/grants_fellowships.shtml

Idaho Community Reinvestment Corporation
http://www.ihfa.org/nonprofit_icrc.html

Idaho Department of Commerce
http://www.idoc.state.id.us/idcomm/comdev/index.html

Other Federal Funding

Federal Historic Preservation tax incentives 
http://www2.cr.nps.gov/grants.htm

GrantsWeb 
http://www.research.sunysb.edu/research/kirby.html

HHS grant opportunities 
http://www.hhs.gov/agencies/grants.html

Historic Preservation Fund 
http://www2.cr.nps.gov/hpf/hpf_t.htm

Justice Grants 
http://www.justice.gov/10grants/index.html

More government funding resources 
http://www.fundsnetservices.com/gov01.htm

PAVNET 
http://www.pavnet.org/

Rural community development initiative 
http://www.rurdev.usda.gov/rhs/rcdi/index.htm

Rural housing service programs 
http://www.rurdev.usda.gov/rhs/index.html

U.S. Department of Education 
http://gcs.ed.gov/

U.S. Department of Housing and Urban Development …the next section (grants) is a subsection of this

Grants

HUD awards grants to organizations and groups for a variety of purposes. On this page, you can find:

HUD's grants office - the Office of Departmental Grants Management and Oversight (ODGMO) was established to develop a Department-wide perspective on grants management

Funds available - notices that tell you when grant funds are available and how you can apply

Funding announcements - lists of those who were awarded grants

HUD's program inventory - a description of every program HUD has in its inventory.

Federal Commons - a link to a web site that lists all Federal grant programs http://www.cfda.gov/federalcommons/

eGrants
president’s management agenda.
http://www.whitehouse.gov/omb/budget/fy2002/mgmt.pdf

OMB’s E-management strategy
http://www.whitehouse.gov/omb/inforeg/egovstrategy.pdf

Business case
http://www.iaegc.gov/Links/epmo/E-Grants%20Business%20Case%20Summary%206-14-02.pdf

Inter-agency Electronic Grant Committee 
http://www.iaegc.gov/

Program management office 
http://www.grants.gov/pmo.html

IT architecture overview
http://www.hud.gov/offices/adm/grants/egrants/egrants-itarc.pdf

Small business - a page created for small businesses. There's even a link to BusinessLaw.gov under federal resources.

Grants management

Notice 02-01-ADM 
http://www.hud.gov/offices/adm/grants/mgmt/admnotice.pdf

Other Private Funding

Beaumont Foundation 
http://www.bmtfoundation.com

Community foundations
http://fdncenter.org/funders/grantmaker/gws_comm/comm.html

Corporate grantmakers 
http://fdncenter.org/funders/grantmaker/gws_corp/corp2.html

MacArthur Foundation 
http://www.macarthur.org/

Philanthropy News Digest  
http://fdncenter.org/pnd/

Private foundations 
http://fdncenter.org/funders/grantmaker/gws_priv/priv2.html

Public charity grantmakers 
http://fdncenter.org/funders/grantmaker/gws_pubch/pubch2.html

Robert Wood Johnson Foundation 
http://www.rwjf.org/404.html

The Foundation Center 
http://fdncenter.org/

Homebuyer Education

Caldwell Board of Realtors (208) 459-2200

College of Southern Idaho - Finally Home! covers everything from whether you can afford home ownership to information about mortgages, closing costs, budgets and home maintenance http://www.csi.edu/ip/CE/classes/index.html

Community Action Partnership CAP - CAP provides information and advocacy to persons with housing needs and problems 
http://www.caanid.org/housing.html

Greater Idaho Falls Association of Realtors - Finally Home! covers everything from whether you can afford home ownership to information about mortgages, closing costs, budgets and home maintenance http://www.gifmls.com/community.cfm

Idaho Housing and Finance Association - the program covers all the steps involved in making that big investment, from qualifying for a mortgage and choosing a Realtor®, to making an offer and closing costs http://www.ihfa.org/nonprofit_homebuyer.html

Neighborhood Housing Services - NHS's Home Buyer Education Center is a critical component of their successful homeownership program; the center provides comprehensive pre- and post-purchase assistance to potential homebuyers and homeowners in danger of losing their homes http://www.boisenhs.org/educate.html

Pocatello Neighborhood Housing Services, Inc. - PHNS offers Homebuyer Education classes to help take the unknown out of the home purchase 
http://www.pnhs.org/homebuyer_ed.htm

North Idaho College - Finally Home! will cover everything from whether you can afford home ownership to information about mortgages, closing costs, budgets and home maintenance http://www.nic.edu/wft/default.asp?pgcont=commEd&list=commEd

Northwest Nazarene University - You'll learn the different stages in buying a home. All sites are wheelchair accessible. Some sites may require advance notice to ensure accessibility option is activated. http://interests.nnu.edu/CenterforLeadership/Finally%20Home.html

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Idaho.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Idaho or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Idaho.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Idaho Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Idaho real estate of homes for sale.

Complete the form below for direct access to the following types of Idaho real estate listings:

  • Idaho Real Estate Listings and MLS
  • Idaho HUD Homes
  • Idaho For Sale By Owner Homes
  • Idaho New Homes for Sale
  • Idaho Foreclosure Homes for Sale
Access Idaho Real Estate Listings

You will get free unlimited access to search Idaho real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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