Financing Resources

Conventional loans

A good fit for buyers with solid credit and steady income. Down payments can start at 3 percent, and these loans work for primary homes, second homes and investment property.

VA Loans

For eligible veterans, service members and some surviving spouses. Most VA loans require no down payment and no monthly mortgage insurance.

USDA Loans

For buyers in eligible rural areas, which covers nearly all of Boundary County. Most USDA loans require no down payment.

FHA Loans

Down payments as low as 3.5 percent with flexible credit guidelines. One of the most common first mortgages for new buyers.

IDAHO HOUSING LOANS

Idaho’s own loan programs for first-time and repeat buyers, with down payment assistance of up to 8 percent of the purchase price.

Considering a fixer-upper? A renovation loan lets you finance the purchase and the cost of the repairs in one loan.