Idaho Housing and Finance Loans | Idaho’s #1 IHFA Broker

🏡 Idaho Housing and Finance Loans | Idaho's #1 IHFA Broker

When it comes to buying a home in the Gem State, Idaho Housing and Finance loans are one of the best-kept secrets for homebuyers. Whether you're a first-time buyer or just looking for a more affordable path to homeownership, these loan programs offer unmatched advantages - and I would know. I’m proud to be the #1 broker in Idaho for originating Idaho Housing and Finance loans and helping families across the state turn the dream of homeownership into a reality.

✅ 1. Affordable Down Payment Options

Many IHFA loans allow low or even zero down payment options for qualified buyers. For first-time homebuyers trying to break into the market, this can be a total game changer.

✅ 2. Down Payment Assistance Programs (DPA)

IHFA goes one step further by offering generous down payment and closing cost assistance - up to 5% of the loan amount for qualified buyers. This assistance can be used with both conventional and government-backed loans (like FHA, VA, and USDA), and it comes in the form of a second mortgage with affordable or even deferred payment options.

This is perfect for buyers who:

• Don't have enough saved up yet

• Want to keep more cash in their pocket

• Need help covering both down payment and closing costs

With IHFA's DPA, you don't need to choose between getting into a home and keeping your savings intact. You can do both.

You can read more about Idaho Housing's down payment assistance programs directly from Idaho Housing and Finance.

✅ 3. Competitive Interest Rates

IHFA offers below-market interest rates, making monthly payments more affordable - even in today's higher rate environment.

✅ 4. First-Time Buyer Support

IHFA is built with first-time homebuyers in mind. Their programs often include homebuyer education, down payment assistance, and even grants to help you succeed.

✅ 5. Trusted Local Program

These aren’t generic national loans - IHFA is local to Idaho, meaning their guidelines are built with Idaho families in mind. Their underwriting is fast and fair, and they work closely with brokers like me to help buyers win.

✅ 6. I Make It Easy

As Idaho's top broker for IHFA loans, I work directly with the program every day. I know the ins and outs, and I'm here to guide you through the process. Whether you’re buying your first home in Nampa, Meridian, Boise, or beyond - I've got your back.

🧭 Let's Talk!

Curious if an Idaho Housing and Finance loan is right for you? Reach out today - I'll walk you through your options, see if you qualify, and help you make a smart move.