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Homebuyers
Understand the basic steps to becoming a homeowner.
Homeowners
Are you experiencing financial hardship? CHFA has programs that may help you.
Lenders
Real Estate Agents
Counselors
Developers
Owners and Property Managers
Counseling Class Online - Lender Instructions
AMERINAT Rev. 11-20-24
CLOSED LN DOC CHECKLIST (AmeriNat or Service Retained)
IDAHO HOUSING AND FINANCE ASSOCIATION Rev. 11-20-24
CAPITAL FOR CHANGE Rev. 11-20-24
AMERINAT Rev. 12-18-24
IDAHO HOUSING AND FINANCE ASSOCIATION Rev. 12-18-24
Loan Program Outlines Rev. 12-18-2024
Operating Manual - Section 1-5 Rev 12-18-24 NEW*
Operating Manual - Section 6-8 Rev 4-2013
Bulletin 269 - Operations Manual and Loan Program Outlines/Additional CHFA Updates
Bulletin 268 - CHFA File Escalation Process
Servicing Bulletin 2024-03 - Lien Releases
Bulletin 267 - Smart Rate – 91% Utilization Reached
Bulletin 266 - Smart Rate – 75% Utilization Reached
Bulletin 265- Time To Own Additional Funding
Bulletin 264 - NEW – Smart Rate Program – 50% Utilization Reached
Servicing Bulletin 2024-02 - CT Flood Disaster Moratorium
Bulletin 263 - Time to Own Program Availability of Additional Funding
Bulletin 262 - NEW – Smart Rate Program/DAP Interest Rate Adjustment
Bulletin 261 - Time to Own Reservation/Submission Updates
Bulletin 260 - Teachers Mortgage Assistance Program Update
Bulletin 259 - Time to Own Funds Available
Bulletin 258 - NEW Smart Rate Program
Bulletin 257 - Time to Own Program Update
Servicing Bulletin 2024-01 - VA Moratorium
Bulletin 256 - Area Median Income (AMI) Limits Update
Bulletin 255 - Lock Expiration Dates
Bulletin 254 - CHFA Minimum Production Requirements
Bulletin 253 - CHFA Bond Income and Sales Price Limits Update
Bulletin 252 - VA Program Update
Bulletin 251 - 2023 Federal Income Tax Returns Required
Bulletin 250 - CHFA Mortgage Program Documentation Updates
Bulletin 249 - CHFA DAP and TTO Programs Update
Bulletin 248 - Down Payment Assistance Programs Servicer
Bulletin 247 - CHFA Hazard Insurance Deductible
Bulletin 246 - CHFA 2024 Loan Limits
Bulletin 245 - CHFA Sales Price Limits & Targeted Area Updates
Servicing Bulletin 2023-05 - Updates to Loss Mitigation
Bulletin 244 - Down Payment Assisance Program Rate & Amount Update
Bulletin 243A - Time To Own Program Update
Bulletin 243 - Time To Own Program Update
Bulletin 242 - Time To Own Funds Update
Servicing Bulletin 2023-04 - Loss Mitigation Home Retention Updates
Bulletin 241 - Time To Own Funds Available
Servicing Bulletin 2023-03 - Priority Liens Update
Bulletin 240 - Down Payment Assistance Program/s Update
Bulletin 239 - Teachers Mortgage Assistance Program Update
Bulletin 238 - Program Consolidation and Renaming
Bulletin 237 - Lender Performance Compliance
Bulletin 236 - LOS Area Median Income (AMI) Update
Bulletin 235 - Gifts of Equity
Bulletin 234 - Area Median Income (AMI) Limit Update
Bulletin 233 - CHFA Bond Income Limits Update
Bulletin 232 - TRID Requirements - DAP and TTO Loans
Bulletin 231 - CHFA Bond Sales Price Limit Update
Bulletin 230 - Mortgage Program Enhancement Summary
Bulletin 229 - LOS Reservation Requires Purchase Contract
Bulletin 228 - Time To Own Funds Available
Bulletin 227A - Time To Own Funds Availability - Update
Bulletin 227 - Time to Own Funds Available and Updated Guidance
Bulletin 226 - 2022 Federal Income Tax Returns Required
Servicing Bulletin 2023-02 - COVID-19 Post-Forbearance-FHA Insured Loans Update
Bulletin 225 - CHFA Time To Own Program - Paused
Bulletin 224 - CHFA Lock/Reservation Policy - Update
Bulletin 223 - Delivery Conditions on Commitment Letters
Servicing Bulletin 2023-01 - Loan Purchase Request Documentation
Bulletin 222 - Maximum Conforming Loan Limits 2023
Bulletin 221 - CHFA Bond Sales Price Limits Revision
Bulletin 220A - Time To Own Funds Available - Revision
Bulletin 220 - Time To Own Funds Available
Bulletin 219 - CHFA Down Payment Assistance Reduced Interest Rate
Bulletin 218 - CHFA Loan Programs - Allowable Fees Enhancement
Bulletin 217 - HFA Advantage Program Enhancements
Bulletin 216 - CHFA Mortgage Program Documentation Updates
Bulletin 215 - FNMA Area Median Income (AMI) Limits Update
Bulletin 214 - Area Median Income (AMI) Limits Update
Bulletin 213 - Income, Sales Price Limits, Target Area Census Tract Updates
Bulletin 212 - Targeted Area Income Limits
Bulletin 211 - Mortgage Loan Program Enhancements
Bulletin 210A - PMI Revision Update
Bulletin 210 - PMI and Commuting Restriction Updates
Bulletin 209 - Homebuyer Mortgage Program Updates
Bulletin 208 - Sales Price Limit Revisions for Homebuyer Mortgage Programs
Bulletin 207 - Owner-Occupancy Certificate-Uniform Mtg Rider Update
Bulletin 206 - Lender Reservation & Compensation Updates
Bulletin 205 - Maximum Loan Limits Increased 2022
Servicing Bulletin 2021-09 - Update COVID-19 Loan Retention Options
Servicing Bulletin 2021-08 - COVID-19 Loan Retention Options Update
Bulletin 204 - Home Mortgage Programs Communting Distance Restrictions
Bulletin 203 - Uniform Residential Loan Application
Servicing Bulletin 2021-07 - Foreclosure Eviction Forbearance Extensions
Bulletin 202 - Teachers Mortgage Assistance Program Updates
Servicing Bulletin 2021-06 - Updates to COVID-19 Post-Forbearance Options
Bulletin 201A - Revision - Area Median Income (AMI) Limits Update
Bulletin 201 - Area Median Income (AMI) Limits Update
Bulletin 200 - Income and Sales Price Limit Revisions
Bulletin 199B - Update to Bulletin 199A - Online Homebuyer Education Program
Bulletin 199A - Update to Bulletin 199 - Online Homebuyer Education Program
Bulletin 199 - CHFA Online Homebuyer Education Program Update
Bulletin 198 - Downpayment Assistance Program Reduced Interest Rate
Bulletin 197 - CHFA Lender Compensation Bonus
Bulletin 196 - Additional CHFA Interest Rate Point Option
Servicing Bulletin 2021-05 - Forbearance Extensions
Bulletin 195 - New Mobile Manufactured Home Refinance Program
Servicing Bulletin 2021-04 - Moratorium Extensions Update
Bulletin 194 - Non-Permanent Resident Alien Guidelines & DACA
Servicing Bulletin 2021-03 - Moratorium Extensions
Bulletin 193 - Downpayment Assistance Program Asset Test Update
Servicing Bulletin 2021-02 - Foreclosure & Eviction Moratorium Updates
Bulletin 192 - IRS Form 4506-C
Servicing Bulletin 2021-01 - Foreclosure & Eviction Moratorium Updates
Bulletin 191 - Uniform Residential Loan Application
Bulletin 190 - Income Limit Revisions for Homebuyer Programs
Bulletin 189 - FHFA Maximum Loan Limits Increase
Servicing Bulletin 2020-08 - Updates to COVID-19 Post-Forbearance Options
Bulletin 188 - CHFA Downpayment Assistance Program Revisions
Bulletin 187A - IHFA Flood Determination Transfer Fee Update
Bulletin 187 - IHFA Flood Determination Transfer Fee
Bulletin 186 - Teachers Mortgage Assistance Program Updates
Servicing Bulletin 2020-07 - Forbearances Granted COVID-19 Hardships
Bulletin 185 - Teachers Mortgage Assistance Program Enhancements
Servicing Bulletin 2020-06 - Single Family Foreclosures and Evictions Update
Bulletin 184 - CHFA Temporary Loan Closing Schedule Ended
Servicing Bulletin 2020-05 - Temporary Mortgage Assistance Program (TMAP)
Servicing Bulletin 2020-04 - SFAM Foreclosures, Evictions & Payment Forbearance Update
Bulletin 183 - Teachers Mortgage Assistance Program Update
Bulletin 182 - Area Median Income (AMI) Limits Update
Servicing Bulletin 2020-03 - SFAM Foreclosures, Evictions & Payment Forbearance Update
Bulletin 181 - COVID-19 Impact Update
Bulletin 180 - Lender Loan Purchase Timeline Notice
Bulletin 179 - COVID-19 Temporary Loan Closing Schedule
Bulletin 178 - Calculating Qualifying Income for AMI Product Eligibility
Bulletin 177 - Sales Price Limits Revision for Homebuyer Programs
Bulletin 176A - COVID-19 Temporary Impact on VOEs and Appraisals - Revision
Bulletin 176 - COVID-19 Temporary Impact on VOEs and Appraisal Update
Servicing Bulletin 2020-02 - SFAM Foreclosures, Evictions & Payment Forbearance
Bulletin 175 - CHFA Is Open For Business
Bulletin 174 - COVID-19 Temporary Impact on VOEs and Appraisals
Servicing Bulletin 2020-01 - SFAM Foreclosure & Evictions
Bulletin 173 - CHFA DAP Commitment - First Payment Letters
Bulletin 172 - CHFA Conventional AMI Loan Program (CALP)
Bulletin 171 - Hazard Insurance Deductible Update
Bulletin 170A - AmeriNat Borrower Payment Address-Revision
Bulletin 170 - AmeriNat Borrower Payment Address Update
Bulletin 169 - Max LN Amount Increase - HFA Preferred and HFA Advantage
Bulletin 168 - Setting CHFA LOS to Display Active Users Only
Bulletin 167 - Homebuyer Program Hazard Insurance Deductibles
Bulletin 166 - Income Limit Revisions for Homebuyer Programs
Bulletin 165 - Daily Publications of SFAM Programs Interest Rates
Bulletin 164 - IHFA HomeLoanServ Mortgagee Clause Update
Servicing Bulletin 2019-02 - Title Notification Form & Reporting
Bulletin 163 - HFA Preferred Program - AMI Overlay & DTI
Bulletin 162 - Teachers Program School Districts Update
Bulletin 161 - Capital For Change,Inc. - Notice of Address Change
Bulletin 160 - Teachers Mortgage Assistance Program Updates
Bulletin 159 - Teachers Mortgage Program Expanded Eligibility
Bulletin 158 - Acceptance of Private Flood Insurance
Bulletin 157 - Home Mortgage Programs Commuting Distance Restrictions
Bulletin 156 - Electronic Signatures and Third Party Verifications
Bulletin 155 - Sales Price Limits Revision for Homebuyer Programs
Bulletin 154 - 2018 Federal Income Tax Returns Required
Bulletin 153 - Procedures for Duplicate Reservations in LOS
Bulletin 152 - Master Commitment Agreement for Mortgage Purchases
Bulletin 151 - Teachers Mortgage Assistance Program Update
Servicing Bulletin 2019-01 - DAP Loan Purchase Request Requirements
Bulletin 150 - Non-Permanent Resident Alien Guidelines and DACA
Bulletin 149 - Federal Government Shutdown - IRS Tax Returns or Transcripts
Bulletin 148 - Single Family Program Lender Calendar - 2019
Servicing Bulletin 2018-03 Partial Claim Document Responsibilities
Bulletin 147A - Maximum Loan Limits Increase Addendum
Bulletin 147 - Maximum Loan Limits Increase
Bulletin 146 - Revision to CHFA Interest Rate Point Options
Bulletin 145 - CHFA Home Mortgage Program Manual
Bulletin 144 - IHFA Tax Service Fee Increase
Servicing Bulletin 2018-02 Closed Loan Documentation Form Update
Bulletin 143 - Borrower Paid Single Premium MI Update
Servicing Bulletin 2018-01 - Revised 90 Day Delinquency Reporting
Bulletin 142 - DAP Requirements for Verification of Asset Accounts
Bulletin 141 - Hazard Insurance Maximum Deductible Increased
Bulletin 140 - 2018 Income & Sales Price Limit Revisions
Bulletin 139 - Veteran Homeownership Pilot Program Concludes
Bulletin 138 - Revised CHFA DAP Application
Bulletin 137 - Downpayment Assistance Program (DAP) Revision
Bulletin 136 - CHFA DAP Loan Servicer Reference Guides
Bulletin 135A - LOS Update Borrower Email and Loan Officer NMLS Addendum
Bulletin 135 - LOS Updates Borrower Email and Loan Officer NMLS
Bulletin 134 - Max LN Amount Increased for HFA Preferred and HFA Advantage
Bulletin 133 - Revised CHFA LOS Process for FNMA 1003 upload
Bulletin 132 - Single Family Programs Lender Calendar 2018
Bulletin 131 - CHFA DAP Loan Servicer Assignments
Servicing Bulletin 2017-02 - Assignment of Mortgage and Post Closing Process Revisions
Servicing Bulletin 2017-01A - Loan Purchase Requests and Submission Requirements
Servicing Bulletin 2017-01 - Loan Purchase Requests & Submission Requirements
Bulletin 130 - Borrower Signature Affidavit Requirement
Bulletin 129 - CHFA HFA Preferred Program - Income Debt Ratios
Bulletin 128 - CHFA Loan Origination System (LOS) Lender Portal Update
Bulletin 127 - Teachers Mortgage Assistance Program 2017-2018
Bulletin 126 - GSE Uniform Closing Dataset (UCD Requirement)
Bulletin 125 - Condominium Documentation Policy Update
Bulletin 124 - Student Loan Credit Policy for CHFA Conventional Loans
Bulletin 123 - Downpayment Assistance Program Delinquent Credit Policy
Bulletin 122 - Income Limit Revisions for Homebuyer Programs
Bulletin 121 - Revision to CHFA Interest Rate Point Options For Applicants
Bulletin 120 - FHA Qualifying Income Debt Ratios Pilot Program
Bulletin 119 - Revisions to Single Family Sales Price Limits
Bulletin 118 - Finance Department Form Updates
Bulletin 117 - Downpayment Assistance Program Update
Bulletin 116 - Freddie Mac (HLMC) HFA Advantage Program
Bulletin 115 - CHFA Federal Recapture Tax Form Updates
Bulletin 114A - CHFA Revised File Order Checklists for Loan Submissions
Bulletin 114B - Lender Authorization to Submit Electronic File to CHFA
Servicing Bulletin 2016-03 - CHFA Non-Hamp Modifications
Servicing Bulletin 2016-02 - Super Liens
Bulletin 113 - Maximum Loan Amount Increasing for CHFA HFA Preferred Programs
Bulletin 112 - 2017 Lender Calendar Release
Bulletin 111 - CHFA Loan Servicers Name Change
Bulletin 110 - HFA Preferred Product Update
Bulletin 109 - CHFA LOS Missing Exhibits Status Report for Lenders
Bulletin 108 - Teachers Mortgage Assistance Program 2016 - 2017 Updates
Bulletin 107 - CHFA Loan Program Outlines & Underwriting Guides
Bulletin 106 - 2016 Income & Sales Limit Revisions
Bulletin 105 - DAP Loan Servicer Name Change
Bulletin 104 - CHFA Notice Regarding Income & Sales Price Limits
Bulletin 103 - CHFA Loan Program Outlines & Underwriting Guides
Bulletin 102 - CHFA Credit Policy & Underwriting Guidelines Update
Servicing Bulletin 2016-01 - Foreclosure Expense Pre-Reimbursements Option
Bulletin 101 - IHFA Authorization to Fund CHFA First Mortgage Loans with DAP
Bulletin 100 - CHFA HFA Preferred Subject Property Sales Price
Bulletin 99 - CHFA Loan Servicer Credit Score Eligibility
Bulletin 98 - AmeriNational Community Services, LLC Replaces Bogman, Inc.
Bulletin 97 - Interest Rate on Duplicate CHFA Loan Reservations
Bulletin 96 - TRID Compliance Obligations of Participating Lenders Update
Bulletin 95A - Revised CHFA Second Mortgage Deed
Bulletin 95 - Expanded Elig. HFA Preferred - DAP Deed Revised and Processing FHA Loans
Bulletin 94 - New CHFA Lender Training Schedule
Bulletin 93 - TRID Requirements for CHFA Approved Participating Lenders
Bulletin 92 - CHFA Approved Private Mortgage Insurance Providers
Bulletin 91 - CHFA Revisions to Income and Sales Price Limits
Bulletin 90 - Revised Checklists for CHFA File Order Submissions
Bulletin 89 - Fannie Mae Adverse Market Fee Eliminated on HFA Preferred
Bulletin 88 - Teachers Mortgage Assistance Program 2015-2016
Bulletin 87 - New Schedule for Publishing Single Family Interest Rates
Bulletin 86 - 2-4 Unit Condominium Project Eligibility
Bulletin 85 - CHFA Adds Online Counseling
Bulletin 84 - Housing Counseling Required for All CHFA Loans
Bulletin 83 - New "Program Type" in LOS for Uninsured Loans - Underwriting Guide
Servicer Bulletin 2015-01 - Elimination of the Pre-Claim Option
Bulletin 82 - CHFA Loan Servicer Assignment for Uninsured Loans
Bulletin 81A - Loan Origination System - Reservation Screen Updates
Bulletin 81 - Loan Origination System - Reservation Screen Updates
Bulletin 80 - PMI Options for HFA Preferred - Allowable Closing Cost Fees
Bulletin 79A- Downpayment Assistance Program Underwriting Revisions
Notice 5 - Idaho Housing Finance Association Powerpoint
Bulletin 79 - Downpayment Assistance Program Revisions
Bulletin 78 - Requirements for FHA Case Number Cancellations
Bulletin 77 - Revision - New Changes
Bulletin 77 - Interest Rates - Target Area Discount - New Servicer
Bulletin 76 - DAP Credit Analysis Update
Bulletin 75 - New CHFA Insured Pilot Program
Bulletin 74 - Sr. LN Processor Role Added To LOS
Bulletin 73 - LN Origination System Enhancements and Changes
Bulletin 72 - HFA Preferred Minimum Cr. Score and DAP Eligibility for Condos
Bulletin 71 - Income and Sales Price Limit Updates
Bulletin 70 - New Email Mailbox for Lender Inquiries
Bulletin 69 - Revisions to Eligible Dwellings and DAP Guidelines
Bulletin 68 - New Veteran Homeownership Pilot Program
Bulletin 67 - Increase in Max LTV on Insured VA or USDA
Bulletin 66 - Teachers Mortgage Assistance 2014-2015 Updates
Bulletin 65A - Closed Loan Documentation Requirements
Bulletin 65 - Closed Loan Documentation Requirements
Bulletin 64 - New Interest Rate Options and Lender Compensation
Bulletin 63 - Revision to Loan Servicer Assignment for HFA Preferred
Bulletin 62 - HFA Preferred Loans - Loans in Targeted Areas
Bulletin 61A - Revision to Bulletin 61-NMLS Added
Bulletin 61 - Updated DAP Mortgage Deed and Note
Bulletin 60 - Allowable Fees on HFA Preferred Delivered to USBank
Bulletin 59 - Borrower(s) Asset Test for Downpayment
Bulletin 58 - Income Eligibility and Related Underwriting
Bulletin 57 - Eligibility Criteria for Participating and Correspondent Lenders
Bulletin 56 - Teachers Mortgage Assistance Program
Bulletin 55 - Eligible Dwellings Include 55 and Older Communities
Notice 4 - FNMA Notice Release of DU Version 9 -HFA Preferred
Servicing Bulletin 9 - Loan Modification Process
Notice 3 - HFA Preferred Program Presentation
Notice 2 - Program Outline and Underwriting Guide
Notice 1 - Service Released Lenders
Bulletin 54 - Teachers Mortgage Assistance Program 2013-2014
Bulletin 53 - Norwich to Participate in Police Program
Bulletin 52 - FHA Requirements for DAP Funding
Bulletin 51 - Correspondent Lender Approval
Bulletin 50 - CHFA to Pay Recapture Tax for Eligible Homeowners
Bulletin 49A - FNMA Approved Condos with 5 or more units
Servicing Bulletin 8 - Foreclosure Expense
Servicing Bulletin 7 - Delinquency & Foreclosure Reporting
Servicing Bulletin 6 - FHA Claim Interest Rate
Bulletin 49 - CHFA Lifts Restriction on Originating Uninsured