Home Purchase

Buying a home can be a daunting process. Beehive Federal Credit Union is one of the top mortgage lenders in Eastern Idaho, making us experts in home loans.

Get Started

Home Purchase

Buying a home can be a daunting process. Beehive Federal Credit Union is one of the top mortgage lenders in Eastern Idaho, making us experts in home loans.

Get Started

What Are Your Needs?

Everyone has a different story. Maybe you are a first time home buyer, a refinancer, upgrading to make room for the family. Whatever it is, let Beehive’s experts help you get the mortgage that is right for you.


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


Begin your application by clicking Apply Now. Here are the documents we’ll need next:

  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.)

Estimate Your Mortgage Payments


THE Mortgage Calculator

Input

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

Estimated Monthly Mortgage Payment

What Are Your Needs?

Everyone has a different story. Maybe you are a first time home buyer, a refinancer, upgrading to make room for the family. Whatever it is, let Beehive’s experts help you get the mortgage that is right for you.


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


Begin your application by clicking Apply Now. Here are the documents we’ll need next:

  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.)

Estimate Your Mortgage Payments


THE Mortgage Calculator (Mobile)

Input

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

Estimated Monthly Mortgage Payment

Image collage of a home, keys, a family, and people playing soccer.

Home Loans

Finding the right home loan shouldn’t feel overwhelming. We’re here to help you understand your options and choose what fits your life; Whether you’re buying your first home or planning what’s next. Our home loan options are intentionally broad, so we can focus on what matters most: a solution tailored to you.

Apply Now

Getting Started

Home loans come with a lot of information and a lot of decisions. That can feel like a lot to take on alone. We’ll walk you through each step, explain your options clearly, and help keep things moving. Our goal is to make the process feel more manageable, more transparent, and a lot less stressful.

Apply Now
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Home Purchase Loans

Buying a home is a big milestone. We're here to help you find a mortgage that supports your goals and keeps the process straightforward.

Key Features:

  • Competitive Interest Rates
  • Personalized Guidance
  • Options for First-Time Homebuyers
  • Flexible Loan Solutions
  • A Streamlined Application

What You’ll Need to Apply:

  • One Month of Paystubs and Year-to-Date Income
  • Personalized Guidance
  • Two-Years of Federal Tax Returns with W-2s
  • Three Months of Bank Statements for All Accounts (Checking, Savings, etc.), Including All Pages, Front and Back
Apply Now

Home Purchase Loans

Buying a home is a big milestone. We're here to help you find a mortgage that supports your goals and keeps the process straightforward.

Key Features:

  • Competitive Interest Rates
  • Personalized Guidance
  • Options for First-Time Homebuyers
  • Flexible Loan Solutions
  • A Streamlined Application

What You’ll Need to Apply:

  • One Month of Paystubs and Year-to-Date Income
  • Personalized Guidance
  • Two-Years of Federal Tax Returns with W-2s
  • Three Months of Bank Statements for All Accounts (Checking, Savings, etc.), Including All Pages, Front and Back
Apply Now
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Red Brick Home in a forest

Home Equity Loans

Unlock the Potential of Your Home

Learn More
If you’ve built equity in your home, a home equity loan can be a practical way to access funds, often at lower rates than other options. Common uses include home improvements, debt consolidation, and larger expenses. We’ll help you see if it’s a good fit.
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Land Loans

Secure Your Piece of the Dream

Learn More
If you're considering purchasing land for your future home or investment, we offer land loans in: Idaho Utah Montana Wyoming No matter what you’re building toward, we’re here to help you get there.
Home construction site

Construction Loans

Build Your Dream Home

Learn More
Our construction loans are designed to keep things simple from start to finish. With competitive rates and a seamless process, we're here to support your construction project. Key Features: Low 1%* Origination Fee Quick In-House Draws Up to Two Draws per Month One-Time Close for added Simplicity
 
Home Purchase
 

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

Let’s Get Started

Every situation is different. Whether you're buying, building, or using your equity, we’re here to help you move forward with confidence. Apply online or connect with one of our loan experts to get started. *Terms and conditions apply. Please contact a Beehive Federal Credit Union loan officer for complete details. Note: Beehive Credit Union's home loan products are available to qualifying members in select states. Eligibility may vary based on state and county regulations.

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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