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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.

NerdWalletJanuary 21, 2021
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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.

» MORE: Explore Idaho Housing loan programs and eligibility requirements

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.

Idaho Central Credit Union

  • 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.

Academy Mortgage

  • 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.

D.L. Evans Bank

  • 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

NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.

To recap our selections...

NerdWallet's Best Idaho Housing and Finance Association Lenders of 2021