purchase a house

First Time Home Buyer


Home is about family, friends, and values; where life’s story is written. Know that you have a friend at Beehive ready to answer your questions, and help you finance your first home.

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Due to unprecedented demand, members should fill out an online mortgage application for the quickest response. A loan officer will call you within 4-5 business days to review the application and answer any questions before pulling credit.

Beehive can guide you to your new home

Buying a home is an exciting process! Here at Beehive, we can guide you through the home buying process so you can focus on the joy of ownership. Our professional staff is ready to meet with you to answer any questions you have as a first-time homebuyer, from answering questions about programs that could make it easier for you to purchase your new home, to getting you the funding you need. We will be with you every step of the way.

Calculate Your Mortgage Payments

Use our mortgage resources to determine how much your monthly payments on a new mortgage will be, and answer questions like:

Mortgage Calculators

  • How much will a 15-year mortgage save me?
  • Can I save money by refinancing now?
  • Should I buy a home or continue to rent?
  • Can I save money by refinancing now?

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

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

Begin your application by clicking Apply Now and review the required documents to have ready for your loan application.

Finally Home registration button

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.


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

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.