FHA Back to Work Program
Were you one of the people who got caught in the economy of 2008 to 2012 where one of the following happened to you?
You had either a foreclosure, a short sale, loan modification, bankruptcy or other derogatory credit. Now there is hope with this new FHA program to get you back into home ownership after only one year from any of these situations, if you have the following three items in place.
1. You had at least a 20% reduction in your household income due to a loss of employment.
2. You have demonstrated a full recovery by paying all of your bills on time for the last full year.
3. You have completed a housing counseling class recently (can be in person or on-line).
If you have 1 and 2 completed and need to schedule 3, then make sure and contact me before you apply for a mortgage because you must complete the class at least 30 days prior to application for a mortgage or it will be denied. I know, but government regulations are specific on this requirement.
You can reach me at 208-409-7653. I serve people trying to buy or sell homes in Boise, Meridian, Eagle, Star, Kuna, Nampa and Middleton, Idaho.