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Second Loan Documents

Second Mortgage / Forgivable Loan DT MERS

Second Mortgage / Forgivable Loan DT Non MERS


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

Service Reference Guide

Other Documents

IHFA Certificate Of Accelerated Delivery

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.

Program Bulletin 2022-8

MCC Program Temporarily Suspended

Idaho Housing is temporarily suspending the Mortgage Credit Certificate (MCC) Program. Due to the popularity of the program, we have utilized our tax exempt authority for MCCs. Our hope is that additional authority will be available in 2023.

Please note that reservations already made will be honored, but no further MCC reservations will be accepted.

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

Program Bulletin 2022-6

Standard Affordable Housing Initiative

HFA Standard Affordable Housing Guidelines

Effective for loans purchased on or after June 13, 2022:

  • Maximum DTI: As established by agency guidelines (no longer a max of 50%).
  • Insurance deductible: As established by agency guidelines.
  • Homebuyer education is required for at least one homebuyer per loan when using down payment assistance from Idaho Housing, AND, as always, follow GSE guidelines.
  • A new Standard Affordable Housing Program Checklist will be available soon for all loan deliveries.

Previously announced changes:

  • Maximum income limit for all counties: $150,000. Please see individual program descriptions for additional income limits that may apply.
  • No minimum credit score requirement with approve/eligible. SRP may adjust for scores below 620.

Full program details, including recent income limit increases are available on our [email protected] or call 1.855.505.4700, ext. 8600.