Buying A Home
Whether you are a first-time homebuyer or shopping for your retirement home, homebuyer education is a smart start to a successful and enjoyable home-buying experience! Homebuyer education classes provide the roadmap and tools for potential homebuyers as they navigate the journey toward purchasing a home!
Homebuyer Education Classes and Counseling
Homebuyer Education classes and free one-on-one housing counseling offered online or onsite at the following agencies.
Please note that registration is required. Click on the links below for details regarding course details, class schedule, and locations. Homebuyer education targets a diversified market of prospective homebuyers residing throughout the state of Idaho. Homebuyer education opportunities are available in Idaho's urban and rural areas.
Idaho Housing and Finance Association
Online course and statewide live class schedules: www.finallyhome.org
The Department of Housing and Urban Development (HUD)
For more information contact:
Idaho Community Action Partnership
For more information contact:
NMLS Consumer Access
Homebuyers can also peruse NMLS® Consumer Access which is a free service for consumers to confirm that the financial-services company or professional with whom they wish to conduct business is authorized to conduct business in their state.
Resources to Report Mortgage Scams
1st-time homebuyer scams, the CFPB has this informational link, as well as a video clip on Mortgage Closing Scams.
Consumer Finance: How To Protect Yourself And Your Closing funds
Call 888-995-HOPE (4673) to report a suspected scam and to get mortgage help.
Submit a CFPB complaint online with the Consumer Financial Protection Bureau (CFPB), or call 1-855-411-CFPB (2372).
Statewide live class schedules: www.finallyhomeidaho.com
Online Course: www.finallyhomecourse.com
The Federal Trade Commission (FTC) is the nation's consumer protection agency. If a business doesn't make good on its promises or cheats you out of money, the FTC wants to know. File a FTC complaint today.
Home Ownership Links and Resources
Whether you're a new home-owner looking for additional information or you've had your home for quite some time and are looking for available refinancing options, here are some great resources to get you started.
The IDOF featured resources below will help you navigate your home-ownership journey.
Home Affordable Refinance Program (HARP)
HARP is a federal program of the United States to help underwater and near-underwater homeowners refinance their mortgages.
This website provides a variety of resources relating to home ownership and financing.
This website provides many resources relating to affordable housing, including foreclosure and mortgage rights.
American Association of Residential Mortgage Regulators (AARMR)
AARMR is an organization established to promote the exchange of information and education concerning the licensing, supervision, and regulation of the residential mortgage industry.
CreditSmart® (Freddie Mac Credit Education Curriculum)
As part of its commitment to educate and build sound financial literacy skills among consumers, Freddie Mac developed CreditSmart®, a multilingual financial education curriculum and consumer outreach initiative designed to help consumers build and maintain better credit, make sound financial decisions, and understand the steps to sustainable homeownership.
VA Backed Loan Information
If you’re feeling overwhelmed or just aren’t sure where to start, we’re here to help. Buying a home with a VA-backed loan can seem a little intimidating, but breaking the approach down into distinct steps can make it a little easier. Follow these simple steps to secure your loan and buy your dream home.
The Idaho Department of Finance provides listings of licensed mortgage brokers/lenders and loan originators. Also, on the Department's website are informational brochures related to topics such as What We Do, owning a home, mortgage servicing rules for Homeowners, make the most of your mortgage checklist and choosing a credit counselor, and various other financial-related topics for consumers.