Our Story UNFOLDS
Our Story IDAHO HOUSING
Dear Reader, Our Story Unfolds
Homeownership
Home Partnership Foundation
Economic Development
2014 Year in Review
Idaho Housing and Finance Association’s story spans almost a half century. It’s one whose chapters touch the lives of tens of thousands of Idahoans every year. And it’s one that couldn’t have been written without the contributions of hundreds of dedicated board members, employees, and partners. The past year was no different. The narratives in these pages are just a glimpse into the good work we’ve been a part of in the past year. Among the people you’ll meet: • An Air Force family that landed their dream home thanks to an affordable Idaho Housing home loan. • A young entrepreneur who used the Idaho Collateral Support Program to help fuel his unique motorsports business. • A homebuilder who saved his own home with help from one of IHFA’s housing counselors. • A nonprofit director who used the Avenues for Hope fundraiser to help pave the road to self-sufficiency for the homeless in north Idaho. And they’re not alone. The investments we made in the state touched the lives of tens of thousands of Idahoans last year — whether through homeownership programs, affordable rental options, housing counseling and homebuyer education, or economic development efforts. More than 4,000 families opened the door to their first home last year. Thousands more got the help they needed to save their homes from the brink of foreclosure. Veterans, seniors, the disadvantaged, and the homeless found safe, stable, places to live. Hundreds of small businesses built new facilities, added employees, and helped drive Idaho’s economic recovery. All told, we had a $937.8 million impact on Idaho. Looking back, the latest chapter in our story is a point of pride for everyone involved with our organization. As our story continues to unfold, these successes motivate us to continue to deliver exceptional results. It’s a privilege to share in the success of our Idaho neighbors. We appreciate your continued support as we work together to strengthen communities, promote self-sufficiency, and foster economic development in Idaho.
$937.8 M in funding
Rental housing $32,066,128 Rental assistance $33,947,530 Economic development $160,882,783 Grants $22,003,935 Homeownership $688,962,486
David F. Wilson Board Chairman
Gerald M. Hunter President and Executive Director
Idaho Housing and Finance Association improves lives and strengthens Idaho communities by expanding housing opportunities, building self-sufficiency, and fostering economic development.
Our Story MAYA & FELIX
Building a Solid Foundation Through Homeownership The American Dream of owning a home is one many of us share. Maya and Felix of Nampa are among those who dreamed of a “forever home.” Their dream recently came true with the assistance of Idaho Housing’s home loan products. “Having a place we could see living in forever to raise our girls has always been a goal of ours,” Maya said. Maya and Felix grew up in Texas, but had been renting a home in Boise since Felix’s job in the Air Force moved him to Mountain Home Air Force Base. “As soon as we learned Felix was set at Mountain Home AFB and would not be transferred again, we immediately started looking for a home to buy,” Maya said. “We knew we could get a mortgage for the same price or less than what we were paying in rent and wanted to not only establish more defined roots for our family but also build up our equity.” Maya and Felix were excited for homeownership for other reasons, too.
“Purchasing a home meant we no longer needed to wonder when we have to pack and move again,” — Maya, Nampa “It is ours. We can paint and decorate it any way we like, get pets without permission, and do anything else with it we choose.” Their trek to homeownership led them to Derek Cassel with West Real Estate Group to help them locate a home and to John Spiker with First Mortgage Company of Idaho to help them find a home loan. John suggested Idaho Housing’s First Loan Plus, which provides up to 2 percent in down payment assistance. He also recommended they take Finally Home! Homebuyer Education. Maya and Felix found taking homebuyer education to be very beneficial. “The class taught us what to do, as well as what not to do, when buying a home,” Maya said. In particular, Maya appreciated learning about
what to expect at closing. “All the paperwork at closing was a bit overwhelming, especially as first-time homebuyers, but it would have been really overwhelming without this course,” Maya said. “Being able to take it online made it easy to fit into our schedule as well.” Maya and Felix couldn’t believe it when Spiker first told them about the down payment assistance available with an Idaho Housing loan. “We thought there had to be a catch to it,” Maya said. “Without these funds we would not have been able to buy the house we wanted.” According to Spiker, Idaho Housing’s down payment assistance options are great for clients like Maya and Felix. “Based on their debtto-income ratio and credit rating, Maya and Felix could afford their payments but didn’t have a lot of assets for the down payment, so they were perfect candidates for this assistance,” Spiker said. “It played a huge role for them getting a new home.”
Idaho Housing helped 5,205 homebuyers purchase new homes, a $683.4 million investment. Of those, 1,331 used down payment assistance and Idaho Housing’s 2nd mortgage program, a $5.5 million investment.
IHFA Loan Servicing Portfolio (in billions) as of June 30, 2014
Idaho Housing provides hightouch loan servicing throughout Idaho and now partners with HFA sister organizations to provide a nontraditional master servicing option in New Mexico, Iowa, and South Dakota.
2014
$3.1B
2013
$2.6 B
2012 $.5
$2.25 B $1.0 $1.5
$2.0 $2.5 $3.0
Idaho HFA partnership loans purchased for servicing
$3.5
Our Story TROY AND TAWNA
Housing Counseling: One Family’s Success Troy and Tawna of Chubbuck were just one of many families who found themselves negatively affected by the burst of the housing industry bubble of 2008. When the housing industry boomed in the early 2000s, Troy decided to leave his job and dedicate himself to his construction business, which he partnered with his father and brother on and had previously only focused on part time. Like most builders during that time, they were too busy to keep up with business on a part-time basis and doing what he loved full time made a lot of sense. Troy even got to build his family’s dream house during this time. “It was a great feeling to build our home myself,” Troy said. He and his wife of 21 years and three teenage children really enjoy their new home thanks to their proactive steps and some assistance from Idaho Housing’s free housing counseling services. “When the construction industry plummeted I was only making about a quarter of what I was making when I built the home,” Troy said. Combining that with his wife’s salary as a teacher wasn’t enough to keep up with the mortgage payments and all the bills that come with a family of five. Troy found another job in 2010 but still wasn’t making anywhere near what he made as a builder during the peak of the housing industry. Walking through unfamiliar territory, Troy and Tawna were not sure what to do. “We had seen tons of advertising for companies offering to help us through the mortgage situation, but they all charged so much,” Troy said. “We thought if we can’t pay our mortgage how can we pay that?” Someone at Chase Bank, the company that holds their mortgage, suggested they give Idaho Housing a call, but they were still hesitant. It wasn’t until they saw Idaho Housing’s Prevent Foreclosure Now ad that they connected this free service to the one their mortgage company had recommended and made the call to Idaho Housing.
Free counseling services are available through Idaho Housing no matter what lender homeowners have. Homeowners are encouraged to act sooner rather than later. Four out of five people who reach out to Idaho Housing’s counselors have a positive outcome.
Prevent Foreclosure Now is a special campaign aimed at the hardest hit areas of the state to spread the word about Idaho Housing’s free housing counseling services through a television commercial, print media, and an informational video at preventforeclosurenow.org.
“It’s very rewarding to know we help more than 3,000 families each year.” – Kara, Housing Counselor, Idaho Housing An Idaho Housing counselor worked with Troy and Tawna and Chase Bank to help them get a loan modification. “Kara was awesome right from the get-go,” Troy said. “She helped make sure we did things timely and accurately.” Troy found a new higherpaying job in the middle of the process, and Kara was able to help them recalculate figures to update their paperwork. “The modification shaved a couple hundred dollars off our mortgage payments, which made them manageable again,” Troy said. “My advice to others in this position is not to wait to reach out for help,” Troy said. “The sooner you get started the sooner you can get back to a more normal life.” Housing counseling helps
4 out of 5
achieve a positive outcome
Our Story SOJOURNERS’ ALLIANCE
Putting a Face to Homelessness more than $380,000 to help strengthen “Homelessness can be an services to prevent homelessness and uncomfortable topic. You know it enhance access to safe, stable housing. exists but you don’t really want to In addition to the campaign, the focus on it until you actually come Foundation works with corporations and face to face with someone who is other funders to help enhance resources homeless. Yes, it’s face to face contact for housing nonprofits throughout Idaho. IHFA created the Foundation in 2005 and that makes homelessness real and provides a wide range of in-kind support that’s when you get a glimpse of as well as makes an annual contribution what homelessness is like,” said ($575,000 in 2014) to support homeless Steve Bonnar, executive director prevention and emergency of Sojourners’ Alliance in Moscow. shelter activities. The Sojourners’ Alliance is a transitional housing facility that offers housing on a long-term basis and provides services to assist individuals or families in overcoming the root issues that led them to be homeless. Bonnar, like many other nonprofit executive directors across the state, works hard day-in and day-out to serve the many needs of the homeless in his community. As a transitional housing provider, he is constantly looking for funds to help meet the growing needs to house individuals and families. The chilling reality is that there is never enough funding to help meet the needs and it is a constant struggle to ensure operations stay open and programs and services are available to those who need it the most. Bonnar said even with the funding struggles, there is something unifying about helping the homeless. “We’re in this together and we each play a role in helping to meet the various needs within our communities. It not only takes the partnerships of the various nonprofits working together but also our neighbors working with us within our communities to help meet these needs.” Fundraising of this magnitude is no small task. More than 980 individual donors contributed $121,469 through the Avenues for Hope online campaign in 2013. With another $112,000 in grants and matching funds from generous sponsors and Idaho Housing and Finance Association (IHFA), the Foundation was able to provide critical resources to help more homeless individuals and families. Since the Avenues for Hope Campaign launched in 2011 it has invested
The Home Partnership Foundation raises homelessness awareness through its annual Avenues for Hope campaign. Together, nonprofit providers and donors work to raise funds to meet these critical needs. In 2013 the campaign raised $233,468, providing a boost to 31 nonprofit organizations that provide essential housing services throughout Idaho. Visit www.avenuesforhope.org to learn more.
Foundation disburses these contributions through a statewide network of service providers such as Sojourners’ Alliance. Persevering as a small nonprofit organization can be difficult, but the Foundation is making a huge difference. Sojourners’ Alliance received $10,737 through the Avenues for Hope campaign. Without these funds it would have been more difficult to meet the basic needs of its operations and those it serves.
“The Avenues for Hope Challenge broadens awareness of homelessness issues and brings organizations together to solve them.” – Steve Bonnar, Sojourners’ Alliance, Moscow “As providers, we represent the homeless who are invisible and give them a voice. The campaign is one way that we are able to advocate for those who are invisible within our communities. Together we are making the big things possible,” Bonnar said.
2013
2012
2011
$233,468
$100,014
$46,853
The Avenues for Hope Campaign has doubled every year
Our Story IDAHO’S HIGHWAYS
Highway Funding Bonds Reach Milestone A unique partnership between Idaho Housing and Finance Association (IHFA) and the Idaho Transportation Department (ITD) continues to help drive the state’s economic engine and touch the lives of Idahoans throughout the state. The $807 million Grant Anticipation Revenue Vehicle (GARVEE) program, a collaborative effort between ITD and IHFA, has helped fast-track road improvements since 2006. So far, GARVEE has expanded 119 miles of new highway, built 15 new bridges, and resulted in 14 new or improved interchanges, according to ITD. And new roads are just the start. The safety improvements have cut down crashes by more than 35 percent and reduced fatalities by 25 percent. “The sheer volume of that couldn’t have been done without GARVEE in that short of time,” said Idaho Transportation Department Controller David Tolman. “It’s impossible.” Support from the state’s elected leaders and the public were vital to GARVEE’s success, Tolman said, and the financial team that put it all together was outstanding. “The team — Idaho Housing, ITD, and CitiGroup — has worked really, really well together. ... From a financing perspective, I don’t think it could be any better,” Tolman said. That teamwork turned out so well, in fact, that the GARVEE program is on track to spend about $141 million less than the $998 million initially estimated in 2005. IHFA issued the seventh — and final — GARVEE bond in late January. In all, approximately $857 million will have been invested in Idaho’s infrastructure through the bonds, which are paid back with federal highway money and state matching funds. “That was really our role — to take the program and create something that could be sold to investors and to Wall Street under very favorable terms. I think we did that,” said John Sager, IHFA’s chief financial officer. IHFA didn’t just sell the bonds, though,
it functioned as a quasi-financial adviser behind the scenes to help ITD develop the program and get the best bond counsel, the best underwriters, and the best advice, Sager said. GARVEE’s success opened the door for Idaho Housing to help with a variety of similar financing projects that have supported nonprofit and manufacturing facilities and helped put the state’s unemployment insurance trust fund on firmer financial footing.
“It’s all part of our mission to help spur the state’s economy.” – John Sager, IHFA Chief Financial Officer “You’ve got to have infrastructure to attract businesses and to be a viable entity in the future,” Sager said.
IHFA issues a variety of bonds that deliver low-cost financing to borrowers. Besides GARVEE bonds, IHFA offers mortgage revenue bonds, multifamily housing bonds, nonprofit facilities bonds, and economic development bonds. As the issuer of approximately 70 percent of bonds in Idaho, IHFA offers its bonding expertise to other organizations in Idaho and manages the entire bond process.
Miles of New Road New Bridges
15
119 Projects in Six Corridors
New or Improved Interchanges:
14
59
$857 M
Invested in Idaho’s Infrastructure
Our Story TIMBERSLED
There’s No Business Like Snow Business Amazon. Apple. Google. Heck, even Walt Disney did it. Now you can add North Idaho’s Timbersled to the list of multimillion-dollar companies that have sprung up from garages. What sets Timbersled apart is you can actually put its products in a garage — though most don’t stay there for long. Timbersled, founded by Allen Mangum and his wife, Natasha, builds specialized parts for the adrenaline-fueled snowmobile industry. The centerpiece of the company’s product line is the Mountain Horse kit, which turns an ordinary motorcycle into a snow-shredding snowmobile hybrid. They’re versatile. They’re fast. They’re fun. And they’re very popular. So popular, in fact, that the kits were the primary reason the company pulled in approximately $8-10 million in revenue last year. Mangum projects that will double next year. But that fast growth comes with a price. Mangum builds his product during the summer and by fall it’s sold out. Without any inventory, Mangum can’t get a loan to fund the influx of raw materials he needs to start production and restock his inventory. Enter the Idaho Collateral Support Program. “Mangum’s problem is he’s growing so fast it’s hard to keep up with the capital needed to meet demand,” said Allen McClelland, the assistant vice president for Washington Trust Bank in Sandpoint. “He makes money, but he has to plow it all back into next year’s production. The Idaho Collateral Support Program was a perfect fit.” So far, the original $13.2 million allocation from the Department of the Treasury and another $5 million from Idaho Housing and Finance Association has created or retained more than 2,000 jobs and supported $131 million in private lending throughout Idaho.
The Collateral Support Program helps small businesses in Idaho build and expand facilities, buy new equipment, and add employees. It does so by providing cash deposits that help businesses enhance collateral and qualify for financing.
“This Collateral Support Program is about the easiest, simplest program I’ve ever seen and I hope it can continue because when it fits it’s fantastic.” – Allen McClelland, Washington Trust Bank, Sandpoint It’s been such a good fit that Idaho was the first state with a program of this kind to completely allocate all of its funds, which are now being recycled to help more qualified small businesses like Mangum’s expand. What started with Mangum tinkering with snowmobiles in his parents’ garage as a way to pay for his snowmobiling hobby has grown into a staff of more than 30 people, which includes the first person he ever hired. He’s selling his product in “any country that gets snow” and he’s in the process of building a new 23,000 square-foot facility.
$128.2 M
Lender Loan Amount (as of September 30, 2014)
“Any sport that you can have that has no limits, like speed limits, people want to do,” Mangum said. “It’s a compelling sport.”
$9.0 M $6.4 M $9.0 M
$55.8 M
$6.4 M
$20.6 M
$55.8 M
$18.6 M
$20.6 M
• 0 • 0
• 10 • 10
$17.6 $18.6 M M •
$17.620M • 20
• 30 • 30
• 60 • 60
Our Story YEAR IN REVIEW
The following numbers provide an overview of the work IHFA completed this past fiscal year. RESIDENTIAL MORTGAGE LOANS
$136,228
80%
10%
Average Sale Price
$131,326
Average Family Size
2.6
New Construction
Average Mortgage
FINALLY HOME! HOMEBUYER EDUCATION
1978
$45,720
Year Average Borrower was Born
Average Borrower Income
HOUSING COUNSELING
PARTNER
LOCATION
Bonner Community Housing Agency Coeur d’Alene Association of REALTORS®
First-Time Homebuyers
GRADS
Sandpoint
15
Coeur d’Alene
92
Twin Falls
51
Idaho Falls
52
3,472
Nampa
179
clients
Boise
162
NeighborWorks Pocatello
Pocatello
85
Online
Statewide
2,970
College of Southern Idaho Greater Idaho Falls Association of REALTORS® Nampa Association of REALTORS ®
Neighborhood Housing Services, Inc.
Rental Housing 530 Post-Purchase 4 Pre-Purchase 362 Homelessness Prevention 177 Reverse Mortgage 140 Foreclosure Prevention 2,259
TOTAL 3,606
GOVERNMENT STIMULUS FUNDING ADMINISTERED BY IHFA
SECTION 8 PROJECT-BASED RENTAL ASSISTANCE PROGRAM
Idaho’s allocations of federal programs PROGRAM
6,138 $18.5 M 1,039 Families Assisted*
in Rental Assistance
Neighborhood Stabilization Program 1
$689,909
Neighborhood Stabilization Program 3
$2,085,850
Units Inspected
HOME PARTNERSHIP FOUNDATION
* Includes Project-Based Section 8 Rental Assistance Program and Idaho Project-Based Contract Administration
Donations, Grants, and Assets by Program PROGRAM
CONTINUUM OF CARE SERVICES Funds Expended
$3.6 M dollars expended
Housing Opportunities for Persons with AIDS/HIV* $488,267 Shelter Plus Care $330,154 Emergency Solutions Grants $897,735 Continuum of Care Program $1,884,238
FUNDS EXPENDED
DONATIONS GRANTS
ASSETS
Emergency Shelter & Transitional Housing
$735,137 $680,603
Homelessness Prevention
$133,513 $171,027
Self-Sufficiency & Asset Building
$422,516 $46,118
$20,265
$4,000
$142,085
$69,352
$6,332
$11,325
$676
$35,325
Land Banking
-
-
$524,596
Home Equity Partnership Fund
-
-
$22,615
Directed Gifts Unrestricted Gifts
TOTAL
$80,420
$1,042,325 $925,658 $1,137,922
Our Story YEAR IN REVIEW
HOUSING TAX CREDITS
1 2
Total Units / Housing Tax Credits
REGION*
3
* No credits allocated to Regions 2 or 5
HOUSINGIDAHO.COM
6
A free bilingual rental housing locator service.
4 5
114 / $1.02 M
1 3
24 / $749,500
4
$9.0 M
75,775 38,964 2,068 331
$6.4 M
72 / $564,252
$55.8 M
6
96 / $1.26 M
Visitors
Searches
$20.6 M $18.6 M
$250,000
$500,000
$750,000
$1.00 M
$1.25 M • 0
• 10
$17.6 M • 20
• 30
• 60
Units Added in FY14
Listings Added in FY14
HOUSING CHOICE VOUCHER PROGRAM
958
TOTAL AFFORDABLE DEVELOPMENT LOCATION UNITS UNITS
Amy Lyn
Kellogg
40
39
Riverstone West
Coeur d’Alene
50
39
Mill River Senior Apts
Coeur d’Alene
50
39
Sandpoint
51
40
Schweitzer Ranch Silver Creek
Post Falls
42
41
Silver Creek II
Post Falls
40
32
White Pine Manor
Potlatch
32
31
Payette Townhouses
Payette
27
27
Burley
24
23
Rexburg
51
45
Partridge Park Rockwell Court
TOTAL 407
356
FAMILY SELF-SUFFICIENCY PROGRAM
622 Participants
33 FY14 Graduates
Number of Families Aided (total payments)
1,351
MULTIFAMILY DEVELOPMENTS PLACED IN SERVICE
4
FY14 Homeowners
838 812 ($2.7m)
0
($3.3m)
Lewiston Twin Falls Coeur d’Alene
Region 1: Region 2: Region 3: Region 4: Region 5: Region 6:
137 Emails
115 19 136 21 9 18
* Includes 7 calls from unknown locations $9.0 M $6.4 M $55.8 M $20.6 M $18.6 M $17.6 M
($5.2m)
Idaho Falls
HOME PROGRAM FUNDS Rental: New construction 24 Single-family: New construction 4 Single-family: Down-payment assistance 61 Single-family: Acquisition/renovation/resale 74
163
total home units
BONDS Nonprofits, transportation & economic development
IDAHO’S HOUSING HOTLINE
325 Calls*
($4.1m)
$99.6 M issued in bonds
Economic Development Bonds $12.4 M Nonprofit Facility Bonds $12.1 M Transportation/ GARVEE $75.1 M
Our Story IDAHO HOUSING
From left: Ralph G. Cottle, Secretary-Treasurer; John D. “Jack” Beebe; Steven R. Keen, Vice Chairman; David F. Wilson, Chairman; Gerald M. Hunter, President and Executive Director; Darlene M. Bramon; Mark P. Dunham; and John R. Insinger.
Thank you for
104
combined years of service.
Our Story IDAHO HOUSING
Organizations Supported by IHFA’s Corporate Contributions and Staff Volunteer Efforts Activate Treasure Valley Ada County Association of REALTORS® Advocates Against Family Violence, Inc. Aid for Friends Alternatives to Violence of the Palouse American Association of Service Coordinators American Red Cross ARMA International - Boise Valley Chapter Asian Real Estate Association of America Idaho Chapter Association of Idaho Cities Bannock Youth Foundation Bingham Crisis Center Blackfoot Chamber of Commerce Boise Metro Chamber of Commerce Boise State University’s MBA Mentor Program Bonner County Homeless Task Force Building Contractors Association of Southwestern Idaho Building Owners and Management Association (BOMA Boise) Business Professionals Association of America Idaho Chapter Caldwell Board of REALTORS® Caldwell Chamber of Commerce Canyon County Habitat for Humanity CATCH, Inc. Catholic Charities of Idaho CLUB Inc. Coeur d’Alene Chamber of Commerce College of Western Idaho Community Development Council CORE, Inc. Corpus Christi House Crisis Center of Magic Valley, Inc. Dress for Success Eagle Chamber of Commerce Eastern Idaho Community Action Partnership Family Care Center, Inc. Family Promise of Lewis Clark Valley Family Promise of North Idaho Family Promise of the Palouse Family Services Alliance of Southeast Idaho Home Partnership Foundation Homeless Management Information System housingidaho.com Idaho Affordable Housing Management Association Idaho Association of Commerce and Industry Idaho Association of Counties Idaho Association of Mortgage Professionals Idaho Building Contractors Association Idaho Community Bankers Association Idaho Community Choices Committee Idaho Fair Housing Forum Idaho Falls Chamber of Commerce Idaho Falls Rescue Mission/Family Care Center Idaho Hispanic Chamber of Commerce IDAHO, Inc.
Idaho Main Street Partners Committee Idaho Mortgage Lenders Association Idaho Nonprofit Center Idaho REALTORS® Association Idaho Rural Partnerships Board Idaho Youth Ranch Interfaith Sanctuary Housing Services, Inc. Jubilee House Lemhi County Crisis Intervention Lewis Clark Valley Chamber of Commerce Lewiston-Clarkston Partners Habitat for Humanity Meridian Chamber of Commerce Mini-Cassia Chamber of Commerce Nampa Association of REALTORS® Nampa Chamber of Commerce National Association of Home Builders National Association of Housing and Redevelopment Officials (NAHRO) Idaho Chapter National Association of Professional Mortgage Women National Association of Hispanic Real Estate Professionals - Idaho Chapter National Council of State Housing Agencies (NCSHA) Neighborhood Housing Services NeighborWorks Pocatello Oneida Crisis Center Organization Assisting the Homeless Student Pacific Northwest Regional Council of NAHRO Philanthropy Northwest Pocatello Chamber of Commerce Ramp up Idaho Sandpoint Chamber of Commerce Snake River Valley Building Contractors Association Sojourners’ Alliance South Central Community Action Partnership Southeastern Idaho Community Action Agency St. Vincent de Paul North Idaho Statewide Bike and Pedestrian Advisory Committee Supportive Housing and Innovative Partnerships The Advocates The Good Samaritan Home The Guardians Foundation The Jesse Tree of Idaho The Salvation Army Lewiston The Salvation Army Treasure Valley Toys for Tots Foundation Twin Falls Association of REALTORS® Twin Falls Chamber of Commerce United Way Valley House Victory House Western Idaho Community Action Partnership Women’s and Children’s Alliance
$790,000 contributed to organizations statewide in fiscal year 2014 and $1 billion over the past 3 years.
2014 2013 2012
$790,000 $665,000 $587,700
$250,000 $500,000 $750,000
$1M
Boise Headquarters P.O. Box 7899 (565 W. Myrtle Street) Boise, ID 83707-1899 208-331-4700 855-331-4715 TDD Hearing Impaired: 800.545.1833, Ext. 400
Coeur d’Alene Branch 915 W. Canfield Avenue Coeur d’Alene, ID 83815 208.762.5113 866.621.2994
Idaho Falls Branch 506 S. Woodruff Ave. Idaho Falls, ID 83401 208.522.6002 866.684.3756
Lewiston Branch 215 Tenth Street, Suite 101 P.O. Box 342 Lewiston, ID 83501 208.743.0251 866.566.1727
Twin Falls Branch 844 Washington St. N., Suite 300 Twin Falls, ID 83301 208.734.8531 866.234.3435