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We have several options available for your new home!

• Conventional Mortgage Loans offer up to 97% loan-to-value, pre-approval on approved credit, and a variety of options up to a 30-year term with a smooth, seamless process for your closure.
• FHA Financing is a great option for members who have less than A+ credit and whose debt-to-income ratio is improving. FHA Loans have a fixed rate up to 30 years and require life-of-loan mortgage insurance.
• VA Financing is available for our VA service eligible members, and offer up to 100% financing. VA Loans are a perfect fit for VA members with less-than-perfect credit.
• USDA or Rural Housing Financing offers up to 100% financing for homes within eligible rural areas. Good to moderate credit scores are required.
• Idaho Housing (IHFA) Financing is a great choice for first-time home buyers! Down payment and closing cost assistance programs are available through IHFA Loans.

Closing cost promotion is only valid with new and refinanced mortgages.

***Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. APR is based on qualified credit and are subject to credit approval. For example, a 1st mortgage at 4.500% will have 180 payments of $7.65 per thousand borrowed and a 2nd mortgage at 5.066% will have 180 payments is $7.94 per thousand borrowed. The payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be greater. Other conditions may apply. Application fee may apply.

All loans on approved credit and require application and membership.