Member Service: (208) 656-1000

Toll Free: (800) 972-4483

First-Time Home Buyer Loans

Apply Now

Buying a Home?

Are you ready to take the exciting leap into homeownership? At Beehive, we're here to support you every step of the way on your journey to becoming a proud homeowner. Our team of experts, in partnership with several different lenders, specializes in helping first-time buyers like you turn their homeownership dreams into reality.

With Beehive, you'll benefit from:
  1. Personalized Guidance: We'll walk you through the entire process, explaining each step clearly to ensure you're confident in your decisions.
  2. Affordable Financing: Our network of multiple lenders offers a variety of mortgage options and competitive rates, making it easier for you to find a loan that fits your budget.
  3. Expert Advice: Tap into our wealth of knowledge and experience and our lender connections to make informed choices about your first home.

Don't wait any longer to make your homeownership dreams a reality. Contact Beehive today and take that exciting first step towards owning your home!

Get Started

Estimate Your Mortgage Payments


THE Mortgage Calculator

Input

$.00
$.00
4%
0%20%
30years
15years30years

Estimated Monthly Mortgage Payment

Buying a Home?

Are you ready to take the exciting leap into homeownership? At Beehive, we're here to support you every step of the way on your journey to becoming a proud homeowner. Our team of experts, in partnership with several different lenders, specializes in helping first-time buyers like you turn their homeownership dreams into reality.

With Beehive, you'll benefit from:

  1. Personalized Guidance: We'll walk you through the entire process, explaining each step clearly to ensure you're confident in your decisions.
  2. Affordable Financing: Our network of multiple lenders offers a variety of mortgage options and competitive rates, making it easier for you to find a loan that fits your budget.
  3. Expert Advice: Tap into our wealth of knowledge and experience and our lender connections to make informed choices about your first home.

Don't wait any longer to make your homeownership dreams a reality. Contact Beehive today and take that exciting first step towards owning your home!

Estimate Your Mortgage Payments

THE Mortgage Calculator (Mobile)

Input

$.00
$.00
4%
0%20%
30years
15years30years

Estimated Monthly Mortgage Payment

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Certified Idaho Housing Lender, Idaho Housing provides these benefits:


  • Low mortgage rates
  • Down payment and closing cost assistance
  • Low or no mortgage insurance
  • Homebuyer Education
  • Free housing counseling
  • Loans serviced in Idaho

Begin Today

Additional benefits through the rural development program:


  • As low as $500 down payment
  • Very low fees
  • The rate you see is the rate you get! *OAC

Get Started
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First-Time Home Buyer Loans

Begin Your Application

You'll will need the following documents:


  1. One Month Paystub
    • Year-to-date income
    • Paystub dates covering a full 30 days
  2. Two Year Federal Tax Returns
    • Include your W2s
  3. Three Month Bank Statements
    • All pages front and back
    • Include all accounts (checking, savings, etc.)

Get Started Speak With An Expert

Let’s move from pre-qualified
to pre-approved!

 
First-Time Home Buyer Loans
 

Finally Home!® Homebuyer Education is one of the smartest moves you can make when purchasing a home, and it may be required for some of our loan products. Take the Finally Home! homeowner course early in the home-buying process.

Beehive offers mortgages, including in areas covered by flood insurance requirements. The National Flood Insurance Program (NFIP) is a Federal program providing flood insurance, floodplain management, and the development of flood hazard zones. Flood insurance is required by federal law for members borrowing funds in high-risk zones.

Can I get out of the requirement to have flood insurance? Members can hire a qualified surveyor to perform an elevation certificate on their home. This certificate can be sent with an application to FEMA for a letter of Map Amendment (LOMA). LOMA is an official amendment, by letter, to an effective NFIP map. A LOMA establishes a property’s location in relation to the Special Flood Hazard Area (SFHA). LOMAs are usually issued because a property has been inadvertently mapped as being in the floodplain, but is actually on natural high ground above the base flood elevation. Because a LOMA officially amends the effective NFIP map, it is a public record that the community must maintain.

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