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First-Time Home Buyer Loans

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First-Time Homebuyer Loans and Programs

Ready to take the leap into homeownership? At Beehive, we support you every step of the way. Our team, in partnership with several lenders, specializes in helping first-time buyers turn the dream of owning a home into a set of keys.

With Beehive, you’ll get:
  1. Personalized Guidance: We walk you through the whole process and explain each step clearly, so you feel confident in every decision.
  2. Affordable Financing: Our lender network offers a variety of mortgage options and competitive rates, making it easier to find a loan that fits your budget.
  3. Expert Advice: Tap into our experience and 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

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$.00
7%
0%20%
30years
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Estimated Monthly Mortgage Payment

First-Time Homebuyer Loans and Programs

Ready to take the leap into homeownership? At Beehive, we support you every step of the way. Our team, in partnership with several lenders, specializes in helping first-time buyers turn the dream of owning a home into a set of keys.

With Beehive, you’ll get:
  1. Personalized Guidance: We walk you through the whole process and explain each step clearly, so you feel confident in every decision.
  2. Affordable Financing: Our lender network offers a variety of mortgage options and competitive rates, making it easier to find a loan that fits your budget.
  3. Expert Advice: Tap into our experience and 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 (Mobile)

Input

$.00
$.00
7%
0%20%
30years
15years30years

Estimated Monthly Mortgage Payment

Low Down Payment Options

Think you need 20% down? You don’t. If you’re a first-time homebuyer1, our conventional loan options let you buy with a low down payment, so you can get into your home sooner and keep more cash in the bank for moving, furnishing, and life.

  • Low down payment options
  • Designed for first-time homebuyers
  • Fixed-rate options for a predictable monthly payment
Get Started
home
home

Low Down Payment Options

Think you need 20% down? You don’t. If you’re a first-time homebuyer1, our conventional loan options let you buy with a low down payment, so you can get into your home sooner and keep more cash in the bank for moving, furnishing, and life.

  • Low down payment options
  • Designed for first-time homebuyers
  • Fixed-rate options for a predictable monthly payment
Get Started
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Certified Idaho Housing Lender

Idaho Housing can provide these benefits for a first-time homebuyer:

  • Low mortgage rates
  • Down payment and closing cost assistance
  • Low mortgage insurance
  • Homebuyer education
Begin Today

USDA Rural Development Loans2

If you live in a rural area, a USDA loan can provide:

  • Minimal down payment
  • Low fees
  • Subject to credit approval
Get Started
First-Time Home Buyer Loans
First-Time Home Buyer Loans

USDA Rural Development Loans

If you live in a rural area, a USDA loan can provide:

  • Minimal down payment
  • Low fees
  • Subject to credit approval
Get Started
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Begin Your Application

You'll will need the following documents:

  1. One month of paystubs
    • Showing year-to-date income
    • Covering a full 30 days
  2. Two years of federal tax returns
    • Include your W2s
  3. Two months of bank statements
    • All pages, front and back
    • All accounts (checking, savings, etc.)

Get Started Speak With An Expert
a man smiling shaking hands

Begin Your Application

You'll will need the following documents:

  1. One month of paystubs
    • Showing year-to-date income
    • Covering a full 30 days
  2. Two years of federal tax returns
    • Include your W2s
  3. Two months of bank statements
    • All pages, front and back
    • 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 buying a home, and it may be required for some loan products. Take the course early in the process.

1A first-time homebuyer is a borrower who has not had an ownership interest in a home in the past three years. All loans subject to credit approval, property eligibility, and program guidelines.

2USDA loans require the property to be in a USDA-eligible area, and household income limits apply.

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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