My First Boise Idaho Home Mortgage http://myfirstboisehome.com A Mortgage Resource for Boise First Time Home Buyers. Thu, 03 May 2012 21:20:29 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 New Idaho Housing Zero Down Program with 580 Credit Scores http://myfirstboisehome.com/new-idaho-housing-zero-down-program-580-credit-scores/ http://myfirstboisehome.com/new-idaho-housing-zero-down-program-580-credit-scores/#comments Fri, 27 Apr 2012 03:56:56 +0000 craig http://myfirstboisehome.com/?p=5952


 

 

 

 

As of April 1st 2012, Idaho Housing Authority has come out with a new zero down home buyer program.  It is a second lien that makes up for the down payment (approx 3.5% of the purchase price).  The first mortgage would be an Idaho Housing loan.

Just because a person has a 580 credit score does not mean they automatically qualify.  Every loan is a case-by-case.   Here are a few highlights.

  • No credit score requirement-full approval on the first mortgage is a must
  • Can not currently own any other real estate
  • The property being purchased must be vacant or owner occupied
  • Homes with lead based paint can be an issue
  • Can not have more then 3 months cash reserves after closing

I would highly recommend that every potential home buyer have their credit checked and have the report and loan application previewed by a preferred Idaho Housing lender. (Such as Guild Mortgage)

Besides this program, Idaho Housing Authority has many other first time home buyer options available.

Ask about the 3% down loan with NO mortgage insurance.

Here is the link the Idaho Housing quick application form

Here is the link to the regular residential loan application

Boise Idaho first time home buyer checklist

 

]]> http://myfirstboisehome.com/new-idaho-housing-zero-down-program-580-credit-scores/feed/ 0 Idaho Housing Authority Home Loans for First Time Buyers http://myfirstboisehome.com/idaho-housing-authority-home-loans-first-time-buyers-mortgage/ http://myfirstboisehome.com/idaho-housing-authority-home-loans-first-time-buyers-mortgage/#comments Sun, 04 Mar 2012 02:55:57 +0000 craig http://myfirstboisehome.com/?p=5844

Welcome to Idaho Housing Authority Resource Page!

Please drop in a few details about your self and once I receive your request I will be giving you a call.

Portal to Idaho Housing Authority Home Loans

Guild Mortgage in Boise is Idaho Housing Authorities #1 lender in Southwest Idaho in 2011.
  • When I know your maximum payment, I can convert that to a purchase price
    All home loans are qualified by credit scores. Please Give me a call and I can take care of this in a few minutes over the phone.

or

Go to my link to the Guild Mortgage residential loan application.  The site is totally secure.  Once it is submitted, your request will come directly to my Blackberry.

 

Please “Like” my Idaho Housing Authority fan page on Facebook

Please download my Boise Idaho Home Buyers Handbook 

 

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