Is Idaho a Title State or an Attorney State?
Idaho is a title state. Title and escrow companies typically handle the closing process, and attorney involvement is not legally required.
State Guides
Idaho loan processing.
What brokers and loan officers should know about closings and property rules in Idaho, and how Hancock Processing works your files there.
Is Idaho a Community Property State for Mortgages?
Yes. Idaho is a community property state, and neither spouse can sell, convey or encumber community real estate unless the other spouse joins in signing the instrument (or has given an express power of attorney to do so). Idaho law also says a married person's homestead can't be encumbered without the other spouse's consent, shown by both spouses signing and acknowledging the instrument or by a deed making the home one spouse's separate property.
What Security Instrument Is Used in Idaho?
Idaho home loans are usually secured by a deed of trust. Idaho law allows a deed of trust only on property inside a city, on up to 80 acres not mainly used for agriculture, or on up to 40 acres of any kind, and the standard Idaho deed of trust includes the borrower's statement that the property fits one of those limits.
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Idaho
Hancock Processing services in Idaho
Do Hancock Processing processors need a license to work Idaho files?
Yes. Idaho requires loan processors to hold an individual MLO license, so the processors who work your Idaho files hold one.
What Loan Types Does Hancock Processing Handle in Idaho?
All of them. We process every loan type we offer in Idaho, including conventional, FHA, VA, USDA, jumbo, Non-QM and DSCR loans, from Boise and the Treasure Valley to Coeur d'Alene and Eastern Idaho.
Can Hancock Processing work files anywhere in Idaho, not just Boise?
Yes. We process loans statewide in Idaho and coordinate with the title or escrow company handling each closing.
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