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

Ang Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) ay isang unang mortgage para sa mga bibili ng bahay sa Idaho, na pinangangasiwaan ng 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. Ang pondo ay mula sa Tax-exempt Mortgage Revenue Bonds (MRBs) issued by IHFA under IRC Section 143.

Ang Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) ay isang unang mortgage at binabayaran ayon sa mga tuntuning itinakda ng Idaho Housing and Finance Association. Kailangang bayaran kapag may 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. Nakatala ang tulong bilang lien sa posisyong First. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": First-time homebuyer requirement (no principal residence ownership in prior three years) is waived for borrowers purchasing in an Idaho targeted county. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Finally Home! (IHFA homebuyer education, finallyhome.org). Requirement sa paninirahan: 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.

Ganito itinatakda ng Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) ang income limit nito: 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. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Ganito nililimitahan ng Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) ang presyo ng pagbili: 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. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Condo, Townhouse, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) ang mga bibili ng bahay kahit saan sa Idaho. Tinutukoy ng programa ang mga partikular na lugar: 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.

Dumadaan sa Idaho Housing and Finance Association ang mga aplikasyon para sa Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.