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Initial Disclosures

Idaho Fee Disclosure-Mortgage Broker

Idaho Mortgage Broker Fee

Idaho Prepayment Penalty Disclosure

Idaho Reserve Account Disclosure

Idaho Services Provided Disclosure -Broker

Interest Rate Lock Float Info

Final Disclosures

Coming Soon

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Idaho has defined “reasonable fees to not exceed 2% for Points/origination and application fees combined”.

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Maximum term 3 years or not to exceed the fixed rate term duration on ARMs.

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Permitted Fees

Coming Soon

Prohibited Fees

Coming Soon

Late Charge Fees

Not state regulated. Maximum 6% of principal and interest after 15 days.

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Funding Settlement

Dry State

Borrower Signing Requirements

Idaho is a community property state. Spouse to sign security documents.

Closing Customs

Escrow State. More details coming soon.

Real Estate Taxes

Taxes are due December 1st and June 1st.
Taxes are delinquent on December 21st and June 22nd.

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Advertising Record Retention

Coming Soon

Advertising Representation

Coming Soon

Telemarketing

Coming Soon

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Disclaimer:
This information is tailored for DirectLender. It is deemed reliable but not guaranteed. It is not intended as legal advice, and should not be relied upon as such. The laws, policies, and references cited change periodically.