8 Best Idaho Housing and Finance Association Lenders of 2021
The Idaho Housing and Finance Association offers competitive interest rates for purchase and refinance mortgages, along with down payment and closing cost assistance grants. Here are some lenders that can help you apply.
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Loan programs and grants offered by the Idaho Housing and Finance Association can make buying a home more affordable for both repeat and first-time home buyers.
The first step to apply is choosing a lender approved by Idaho Housing and Finance.
NerdWallet has reviewed several of IHFA’s approved lenders and assembled some top picks. We also listed some local IHFA lenders we haven’t reviewed but who do a lot of business in Idaho.
Loan programs and grants offered by the Idaho Housing and Finance Association can make buying a home more affordable for both repeat and first-time home buyers.
The first step to apply is choosing a lender approved by Idaho Housing and Finance.
NerdWallet has reviewed several of IHFA’s approved lenders and assembled some top picks. We also listed some local IHFA lenders we haven’t reviewed but who do a lot of business in Idaho.
Best Idaho Housing and Finance Association Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for online convenience | 620 | 3% | Learn more at Fairway Independent Mortgage |
![]() Flagstar: NMLS#417490 | Best for government loan programs | 620 | 3% | Read review |
![]() Guild Mortgage: NMLS#3274 | Best for government loan programs | 620 | 3% | Read review |
![]() Wells Fargo: NMLS#399801 | Best for online convenience | 620 | 3% | Read review |
![]() PrimeLending: NMLS#13649 | Best for credit challenges | 620 | 3% | Read review |
![]() Caliber: NMLS#15622 | Best for credit challenges | 620 | 3% | Read review |
![]() loanDepot: NMLS#174457 | Best for customer service | 620 | 5% | Read review |
![]() Homebridge: NMLS#6521 | Best for customer service | 620 | 3% | Read review |

at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
Flagstar: NMLS#417490

Min. credit score
620Min. down payment
3%Guild Mortgage: NMLS#3274

Min. credit score
620Min. down payment
3%Wells Fargo: NMLS#399801

Min. credit score
620Min. down payment
3%PrimeLending: NMLS#13649

Min. credit score
620Min. down payment
3%Caliber: NMLS#15622

Min. credit score
620Min. down payment
3%loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%Homebridge: NMLS#6521

Min. credit score
620Min. down payment
3%More Idaho Housing and Finance lenders
These IHFA lenders do a high volume of lending in Idaho, but they haven't been reviewed by NerdWallet.
Publishes sample mortgage rates online.
Has over two dozen branches in Treasure Valley, Magic Valley, Eastern Idaho and North Idaho.
Says most loans close within 30 days.
Website has live chat.
Publishes sample mortgage rates online.
Has 11 Idaho branches.
Offers a full menu of mortgages.
Features home buyer education materials on its website.
Glacier Bank (doing business as Citizens Community Bank and Mountain West Bank)
Has Citizens Community Bank locations in Ammon, Chubbuck, Idaho Falls, Pocatello and Rexburg.
Has Mountain West Bank locations in Coeur d’Alene, Hayden and Post Falls.
Website lets you choose a loan officer and start an application online.
Doesn't publish mortgage rates online.
Has more than two dozen branches across the state.
Publishes current sample rates for a variety of mortgages on its website.
Offers online custom rate quotes, based on credit score, down payment and other factors.
Website lets you start a mortgage application online.
More from NerdWallet
Last updated on January 21, 2021
Methodology
To recap our selections...
NerdWallet's Best Idaho Housing and Finance Association Lenders of 2021
- Fairway Independent Mortgage: Best for online convenience
- Flagstar: Best for government loan programs
- Guild Mortgage: Best for government loan programs
- Wells Fargo: Best for online convenience
- PrimeLending: Best for credit challenges
- Caliber: Best for credit challenges
- loanDepot: Best for customer service
- Homebridge: Best for customer service