Home Buyer's Guide
All the information to take in as a first time home buyer can be overwhelming. Our guide outlines the process for you.
30 Year FHA Loan1
as Low as
Rate: 5.625%
0.000% POINTS
FHA Loans
Loans backed by the Federal Housing Administration.
Homeownership is a game-changing step in your financial journey. It means every payment is an investment in your future. Our FHA loans can make homeownership a possibility for many borrowers who may not qualify for conventional financing.
Schedule an appointment with one of our lenders to talk through your options for financing today.
Check out our rates
15 Year FHA Loan1
as Low as
Rate: 4.990%
0.000% POINTS
Mortgage Payment Calculator2
FHA Loan Features
- Down payment as low as 3.5%
- Flexible credit score requirements
- Insured by the Federal Housing Administration
Don't let a lower credit score or the idea of saving up for a huge down payment stop you from purchasing your dream home. Start on the path to homeownership today with an FHA loan. Schedule an appointment in person or over the phone with one of our lenders to learn more and get started.
Ready to take the next step?
Fill out this form and one of our expert lenders will reach out to you to walk you through the process.
DISCLOSURES
Rates Section 1 Rate 1 Disclosure
Purchase loan scenario. Refinance rates may be higher. The information provided assumes the purpose of the loan is to purchase a property located in Idaho, and is within Nez Perce County. The property is an existing single family home valued at $300,000 and will be used as a primary residence with 3.5% down payment. FHA loans require up front mortgage insurance premium (UFMIP) and monthly mortgage insurance premium. The UFMIP can be financed into the loan amount. The maximum FHA loan varies based on the county in which the subject property is located. The payments provided reflect the UFMIP being financed for a fixed rate FHA mortgage with an adjusted loan amount of $294,566. An escrow (impound) account will be established. The rate lock period is 45 days and the assumed credit score is 780 or greater.
Rates Section 1 Rate 2 Disclosure Rates Section 1 Rate 3 Disclosure
Rates Section 1 Rate 4 Disclosure
Rates Section 2 Rate 1 Disclosure
Rates Section 2 Rate 2 Disclosure
Rates Section 2 Rate 3 Disclosure
Rates Section 2 Rate 4 Disclosure
1 APR = Annual Percentage Rate. These rate offers are effective 08/18/2025 and subject to change. Rates displayed are the "as low as" rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy, and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates are subject to change without notice.
Purchase loan scenario. Refinance rates may be higher. The information provided assumes the purpose of the loan is to purchase a property located in Idaho, and is within Nez Perce County. The property is an existing single family home valued at $300,000 and will be used as a primary residence with 3.5% down payment. FHA loans require up front mortgage insurance premium (UFMIP) and monthly mortgage insurance premium. The UFMIP can be financed into the loan amount. The maximum FHA loan varies based on the county in which the subject property is located. The payments provided reflect the UFMIP being financed for a fixed rate FHA mortgage with an adjusted loan amount of $294,566. An escrow (impound) account will be established. The rate lock period is 45 days and the assumed credit score is 780 or greater.
Taxes, insurance and monthly mortgage insurance are not included in the payment examples above; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
2 Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.