Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage)

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) es una primera hipoteca para compradores de vivienda en Idaho, a cargo de Idaho Housing and Finance Association. The First Loan Tax-Exempt is Idaho Housing's mortgage revenue bond first-mortgage product offering first-time homebuyers below-market interest rates, often up to 1% lower than other loan programs. Because it is financed with tax-exempt bonds under IRC Section 143, it carries first-time-homebuyer, county income, and county sales-price limits, and a potential federal recapture tax if the home is sold within nine years at a gain by a borrower whose income has risen above the limit. It can be combined with Idaho Housing down payment and closing-cost assistance, letting buyers purchase with as little as 0.5% of their own funds. Interest rates often up to 1% lower. Available with Conventional/FHA/VA/USDA. Can be combined with Idaho Housing DPA. Higher limits and waived FTHB rule in targeted counties. Statewide via IHFA-approved lenders. Los fondos provienen de Tax-exempt Mortgage Revenue Bonds (MRBs) issued by IHFA under IRC Section 143.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) es una primera hipoteca y se reembolsa según los términos que fija Idaho Housing and Finance Association. El reembolso se activa por Recapture tax may apply if the home is sold within the first 9 years AND the borrower realizes a capital gain AND modified adjusted gross income at sale exceeds the program's adjusted income limit. La ayuda se registra con un gravamen en posición First. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: First-time homebuyer requirement (no principal residence ownership in prior three years) is waived for borrowers purchasing in an Idaho targeted county. Se requiere un curso de educación para compradores de vivienda, a través de Finally Home! (IHFA homebuyer education, finallyhome.org). Requisito de residencia: Borrower must be a resident of Idaho. First-time homebuyer (except in targeted counties); Idaho residency; county-specific income and sales-price limits; Finally Home! education when using DPA or for first-time borrowers using Fannie/Freddie HFA products; non-occupying co-borrowers not allowed; subject to federal recapture tax; funds limited and program subject to change.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) fija su límite de ingresos así: Income limits by county and household size for First Loan Tax-Exempt (effective 5-6-26): 1-2 person households roughly $101,600-$143,160; 3+ person roughly $116,840-$167,020 depending on county. Annual gross household income used. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) limita el precio de compra así: Home sales price limits set per county (effective 5-6-26), ranging from $566,354 in many non-targeted counties up to $970,629 in Lincoln County. Los tipos de propiedad elegibles incluyen Single Family, Condo, Townhouse y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) atiende a compradores de vivienda que compran en cualquier lugar de Idaho. El programa se dirige a áreas específicas: Idaho designates targeted counties (e.g. Adams, Bear Lake, Benewah, Bingham, Boise, Bonner, Boundary, Canyon, Cassia, Clark, Clearwater, Custer, Gem, Gooding, Idaho, Jefferson, Jerome, Kootenai, Lemhi, Lewis, Lincoln, Oneida, Owyhee, Payette, Shoshone, Washington). In targeted counties the FTHB requirement is waived and higher income/sales price limits apply.

Las solicitudes de Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) se tramitan a través de Idaho Housing and Finance Association, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.