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| CONFORMING 10,15,20 OR 30 YEAR FIXED |
| VA |
| FHA |
| CREATIVE LENDING |
| STATED INCOME |
| CONSTRUCTION |
| INVESTMENT PROPERTY LOANS |
| ADJUSTABLE RATE MORTGAGE (ARM) |
| MANUFACTURED HOMES |
| HELOC |
| 100% FINANCING |
| Idaho Housing Loan |
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CONFORMING 10,15,20 OR 30 YEAR FIXED
Maximum Amount: $359,650
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SUGGESTED MINIMUM CREDIT SCORE 620. ZERO DOWN PAYMENT AVAILABLE. |
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VA
Term: 30 years
Maximum Amount: $322,000
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FHA
Term: 30 years
Maximum Amount: $250,000
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MAXIMUM LOAN AMOUNT MAY VARY BY COUNTY. MINIMUM 3% DOWN PAYMENT.
SELLER PAID GRANT FOR 3% DOWN, CAN BE NEGOTIATED. |
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CREATIVE LENDING
Term: 30 years
Maximum Amount: $500,000
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MINIMUM CREDIT SCORE 525 UP TO 55% DEBT TO INCOME RATIO. BANKRUPTCY NOT A PROBLEM. DOWN PAYMENTS MAY VARY. 100% FINANCING AVAILABLE WITH 580 MINIMUM SCORE. |
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STATED INCOME
Term: 30 years
Maximum Amount: $500,000
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SELF EMPLOYED OR WAGE EARNER. MINIMUM CREDIT SCORE 580.
NEWLY SELF EMPLOYED OK. NO INCOME/NO ASSET WITH MINIMUM CREDIT SCORE 680. |
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CONSTRUCTION
Term: 30 years
Maximum Amount: $500,000
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ONE TIME CLOSE CONSTRUCTION LOAN AVAILABLE - BENIFIT IS PAY CLOSING COST ONCE INSTEAD OF TWICE AND LOCK IN YOUR RATE FOR UP TO 6 MONTHS IN ADVANCE INSTEAD OF END OF CONSTRUCTION! |
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INVESTMENT PROPERTY LOANS
Term: 30 years
Maximum Amount: $500,000
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NO DOWN PAYMENT AVAILABLE. |
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ADJUSTABLE RATE MORTGAGE (ARM)
Term: 30 years
Maximum Amount: $500,000
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MINIMUM DOWN PAYMENT 5%. GOOD OPTION FOR SHORT TIME OWNERSHIP OR RAPIDLY APPRECIATING AREAS. WIDE RANGE OF TERMS INCLUDING INTEREST ONLY. |
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MANUFACTURED HOMES
Term: 30 years
Maximum Amount: $750,000
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MINIMUM DOWN PAYMENT 3%. HAVE OPTIONS FOR SINGLE WIDE'S AND DOUBLE WIDE'S 15 YEARS OR NEWER, IN A PARK, NOT ON FOUNDATION. |
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HELOC
Term: 30 years
Maximum Amount: $500,000
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25 YEAR LOAN - FIRST 10 YEARS ARE INTEREST ONLY - REMAINING 15 YEARS ARE AMORTIZED. ANNUAL FEES APPLY - CAN BE USED FOR OWNER OCCUPIED OR INVESTMENT PROPERTY. |
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100% FINANCING
Term: 30 years
Maximum Amount: $500,000
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AVAILABLE CREDIT SCORES AS LOW AS 580. |
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Idaho Housing Loan
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $359,650 with closing costs of $7,193. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.
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