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

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) é uma primeira hipoteca para compradores de imóveis em Idaho, administrado por 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. Os recursos vêm 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) é uma primeira hipoteca e é reembolsado nas condições definidas por Idaho Housing and Finance Association. O reembolso é acionado 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. A ajuda é registrada como ônus em posição First. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: First-time homebuyer requirement (no principal residence ownership in prior three years) is waived for borrowers purchasing in an Idaho targeted county. É exigido um curso de educação para compradores de imóveis, por meio de Finally Home! (IHFA homebuyer education, finallyhome.org). Requisito de residência: 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) define seu limite de renda assim: 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. O limite vale para a renda total da família, não só a do mutuário. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) limita o preço de compra assim: 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. Os tipos de imóvel elegíveis incluem Single Family, Condo, Townhouse e Manufactured. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) atende compradores de imóveis que compram em qualquer lugar de Idaho. O programa é voltado para 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.

As inscrições para Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) são feitas por meio de Idaho Housing and Finance Association, que publica as condições atuais e as etapas da inscrição no próprio site. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.