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Second Loan Documents

Second Mortgage / Forgivable Loan DT MERS

Second Mortgage / Forgivable Loan DT Non MERS

Assignment

Second Mortgage Note

10 Year Forgivable Loan Note

Electronic Second Loan Notes

Second Mortgage Electronic Note

10 Year Forgivable Loan Electronic Note

Lender Checklist

Standard Affordable Housing Checklist

Service Reference Guide

Remote Trainings

We are currently offering remote trainings. Please watch our training calendar and announcements regarding upcoming trainings. Also, if you or anyone on your team needs to better understand Idaho Housing s loan programs, please contact John Laca to schedule a training at [email protected].

For more information or assistance, please contact us at [email protected] or call 1.855.505.4700, ext. 8600.

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Program Bulletin 2023-1

Big news regarding our Tax Exempt-Programs!

We are pleased to announce the addition of Conventional loans to our tax-exempt program. Much like our tax-exempt government programs, this program will offer a highly competitive rate to increase affordability for first-time homebuyers. This program will be available to lock on February 21, 2023. Below are the details.

Conventional Tax-Exempt

Tax-exempt rules apply and are the same as the First Loan Tax-Exempt program guidelines.
Must be a first-time homebuyer except for targeted areas.
Specific income and sales price limits based on county.
May utilize both down payment programs: Second Mortgage and Forgivable Loan.
The following tax-exempt documents and disclosures are required. You must use the most recent versions of required documents with the revised or reaffirmed date of 12/22.

Borrower Affidavit
Seller Affidavit
Recapture Summary
Recapture Reimbursement
Tax-Exempt Financing Rider (Must be recording with 1st Deed of Trust)

Tax-Exempt Program Training

It is important for us to support our lending partners in every way we can. We want you to feel comfortable offering this program to your borrowers.

View Tax-Exempt Program Training