Financing Resources

Financing Resources

Conventional loans

these are ideal for people with a good debt-to-income ratio and an excellent credit score. You will have to cater to down payments, mortgage insurance, and closing points if you choose this form of financing.
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va loans

offered to military members and their families, these types of loans are insured by the Department of Veterans Affairs. If you qualify for this type of loan, you will be exempted from having to make a down payment.
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usda loans

the U.S. Department of Agriculture caters to rural borrowers who are unable to access conventional financing due to their income. To qualify, the property you intend to buy must be located in what is considered a rural area. You must also have a low but steady income.
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fha loans

insured by the Federal Housing Administration, these loans are applicable to individuals who are FHA-approved. While other loans require that you make a down payment of up to 20%, you can pay as a little as 3.5% as the down payment if you qualify for an FHA loan.
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IHFA LOANS

Idaho Housing and Finance Associations also offers loans featuring low interest rates and down payments as low as 3%. These loans also allow for closing cost and down payment assistance as well as some annual tax credits.
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RENOVATION LOANS

this might be the best option if you are considering a fixer-upper. A renovation loan allows you to finance the purchase as well as the cost of renovation.
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