UNFOLDSOur Story

Dear Reader,

Our StoryIDAHO HOUSING

Our Story Unfolds

Homeownership

Home Partnership Foundation

Economic Development

2014 Year in Review

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.

Rental housing $32,066,128 Rental assistance $33,947,530Economic development $160,882,783Grants $22,003,935Homeownership $688,962,486

$937.8 Min funding

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.

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 home-ownership 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 debt-to-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.”

Building a Solid Foundation Through Homeownership

Our StoryMAYA & FELIX

Idaho Housing provides high- touch 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.

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

IdahoHFA partnership loans purchased for servicing

$.5 $1.0 $1.5 $2.0 $2.5 $3.0 $3.5

2014 $3.1B

2013 $2.6 B

2012 $2.25 B

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 plum-meted 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 coun-seling services are available through Idaho Housing no matter what lender home-owners 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.

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 higher- paying job in the middle of the process, and Kara was able to help them recalcu-late figures to update their paperwork. “The modifica-tion 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: One Family’s Success

Our StoryTROY AND TAWNA

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

Housing counseling helps

4 out of 5 achieve a positive outcome

“Homelessness can be an uncomfortable topic. You know it exists but you don’t really want to focus on it until you actually come face to face with someone who is homeless. Yes, it’s face to face contact that makes homelessness real and that’s when you get a glimpse of what homelessness is like,” said Steve Bonnar, executive director of Sojourners’ Alliance in Moscow.Sojourners’ Alliance is a transitional housing facility that offers housing on a long-term basis and provides services to assist individ-uals 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

more than $380,000 to help strengthen services to prevent homelessness and enhance access to safe, stable housing. In addition to the campaign, the Foundation works with corporations and other funders to help enhance resources for housing nonprofits throughout Idaho. IHFA created the Foundation in 2005 and provides a wide range of in-kind support as well as makes an annual contribution ($575,000 in 2014) to support homeless prevention and emergency shelter activities. The 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 opera-tions and those it serves.

“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.

Putting a Face to Homelessness

Our StorySOJOURNERS’ ALLIANCE

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.

“The Avenues for Hope Challenge broadens awareness of homelessness issues and brings organizations together to solve them.” – Steve Bonnar, Sojourners’ Alliance, Moscow

The Avenues for Hope Campaign has doubled every year

2011

$46,853

2012

$100,014

2013

$233,468

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 improve-ments 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 unem-ployment 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.

Highway Funding Bonds Reach Milestone

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.

Our StoryIDAHO’S HIGHWAYS

119

Invested in Idaho’s Infrastructure

15

New or Improved

Interchanges:

14

NewBridges

Miles of New Road

Projects inSix Corridors 59

$857 M

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 actu-ally 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 produc-tion. 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.

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.

“Any sport that you can have that has no limits, like speed limits, people want to do,” Mangum said. “It’s a compelling sport.”

There’s No Business Like Snow Business

Our StoryTIMBERSLED

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.

•0

•10

•20

•30

•60

$9.0 M

$6.4 M

$20.6 M

$18.6 M

$17.6 M

$55.8 M

Lender Loan Amount(as of September 30, 2014)

$128.2 M

•0

•10

•20

•30

•60

$9.0 M

$6.4 M

$20.6 M

$18.6 M

$17.6 M

$55.8 M

“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

Our StoryYEAR IN REVIEW

The following numbers provide an overview of the work IHFA completed this past fiscal year.

RESIDENTIAL MORTGAGE LOANS

$136,228 Average Sale Price

$131,326 Average Mortgage

10%New

Construction

1978Year Average

Borrower was Born

Average Family Size

2.6

FINALLY HOME!HOMEBUYER EDUCATION

PARTNER LOCATION GRADS

Bonner Community Housing Agency Sandpoint 15

Coeur d’Alene Association of REALTORS® Coeur d’Alene 92

College of Southern Idaho Twin Falls 51

Greater Idaho Falls Association of REALTORS® Idaho Falls 52

Nampa Association of REALTORS® Nampa 179

Neighborhood Housing Services, Inc. Boise 162

NeighborWorks Pocatello Pocatello 85

Online Statewide 2,970

TOTAL 3,606

Rental Housing 530 Post-Purchase 4Pre-Purchase 362Homelessness Prevention 177Reverse Mortgage 140Foreclosure Prevention 2,259

3,472clients

HOUSING COUNSELING

HOME PARTNERSHIP FOUNDATIONDonations, Grants, and Assets by Program

PROGRAM DONATIONS GRANTS ASSETS

Emergency Shelter &

Transitional Housing $735,137 $680,603 $422,516

Homelessness Prevention $133,513 $171,027 $46,118

Self-Sufficiency & Asset Building $20,265 $4,000 $80,420

Directed Gifts $142,085 $69,352 $6,332

Unrestricted Gifts $11,325 $676 $35,325

Land Banking - - $524,596

Home Equity Partnership Fund - - $22,615

TOTAL $1,042,325 $925,658 $1,137,922

Housing Opportunities for Persons with AIDS/HIV* $488,267Shelter Plus Care $330,154Emergency Solutions Grants $897,735 Continuum of Care Program $1,884,238

$3.6 Mdollars

expended

CONTINUUM OF CARE SERVICESFunds Expended

$45,720 Average Borrower Income

80%First-Time

Homebuyers

GOVERNMENT STIMULUS FUNDING ADMINISTERED BY IHFAIdaho’s allocations of federal programs

PROGRAM FUNDS EXPENDED

Neighborhood Stabilization Program 1 $689,909

Neighborhood Stabilization Program 3 $2,085,850

SECTION 8 PROJECT-BASED RENTAL ASSISTANCE PROGRAM

1,039Units

Inspected

$18.5 Min Rental

Assistance

6,138Families

Assisted*

* Includes Project-Based Section 8 Rental Assistance Program and Idaho Project-Based Contract Administration

Our StoryYEAR IN REVIEW

BONDSNonprofits, transportation & economic development

Economic Development Bonds $12.4 MNonprofit Facility Bonds $12.1 M

Transportation/ GARVEE $75.1 M

$99.6 Missued

in bonds

HOUSINGIDAHO.COMA free bilingual rental housing locator service.

Region 1: 115 Region 2: 19 Region 3: 136 Region 4: 21 Region 5: 9 Region 6: 18

1

3

4

6

REGION*

96 / $1.26 M

114 / $1.02 M

HOUSING TAX CREDITS

* No credits allocated to Regions 2 or 5

$250,000 $500,000 $750,000 $1.00 M $1.25 M

72 / $564,252

24 / $749,500

Total Units / Housing Tax Credits

IDAHO’S HOUSING HOTLINE

FAMILY SELF-SUFFICIENCY PROGRAM

622Participants

33FY14

Graduates

4FY14

Homeowners

•0

•10

•20

•30

•60

$9.0 M

$6.4 M

$20.6 M

$18.6 M

$17.6 M

$55.8 M

325 Calls*

137 Emails

38,964 Visitors

2,068 Units Addedin FY14

MULTIFAMILY DEVELOPMENTSPLACED IN SERVICE

TOTAL AFFORDABLEDEVELOPMENT LOCATION UNITS UNITS

Amy Lyn Kellogg 40 39

Riverstone West Coeur d’Alene 50 39

Mill River Senior Apts Coeur d’Alene 50 39

Schweitzer Ranch Sandpoint 51 40

Silver Creek Post Falls 42 41

Silver Creek II Post Falls 40 32

White Pine Manor Potlatch 32 31

Payette Townhouses Payette 27 27

Partridge Park Burley 24 23

Rockwell Court Rexburg 51 45

TOTAL 407 356

75,775 Searches

HOME PROGRAM FUNDS

163total home units

Rental: New construction

24Single-family:

New construction 4

Single-family: Down-payment assistance

61Single-family:

Acquisition/renovation/resale 74

331 Listings Added in FY14

HOUSING CHOICE VOUCHER PROGRAM

Number of Families Aided (total payments) 1,351

958

838812

0 Lewiston Twin Falls Coeur d’Alene Idaho Falls

($3.3m)($2.7m)($4.1m)

($5.2m)

* Includes 7 calls from unknown locations

•0

•10

•20

•30

•60

$9.0 M

$6.4 M

$20.6 M

$18.6 M

$17.6 M

$55.8 M

1

2

34 5

6

Our StoryIDAHO 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

104combined years

of service.

Organizations Supported by IHFA’s Corporate Contributions and Staff Volunteer Efforts

Our StoryIDAHO HOUSING

$790,000contributed to organizations

statewide in fiscal year 2014 and $1 billion over the past 3 years.

Activate Treasure ValleyAda County Association of REALTORS® Advocates Against Family Violence, Inc.Aid for FriendsAlternatives to Violence of the PalouseAmerican Association of Service CoordinatorsAmerican Red CrossARMA International - Boise Valley ChapterAsian Real Estate Association of America -

Idaho ChapterAssociation of Idaho CitiesBannock Youth FoundationBingham Crisis CenterBlackfoot Chamber of CommerceBoise Metro Chamber of CommerceBoise State University’s MBA Mentor ProgramBonner County Homeless Task ForceBuilding Contractors Association of

Southwestern IdahoBuilding Owners and Management Association

(BOMA Boise)Business Professionals Association of America -

Idaho ChapterCaldwell Board of REALTORS®Caldwell Chamber of CommerceCanyon County Habitat for HumanityCATCH, Inc.Catholic Charities of IdahoCLUB Inc.Coeur d’Alene Chamber of CommerceCollege of Western IdahoCommunity Development CouncilCORE, Inc.Corpus Christi HouseCrisis Center of Magic Valley, Inc.Dress for SuccessEagle Chamber of CommerceEastern Idaho Community Action PartnershipFamily Care Center, Inc.Family Promise of Lewis Clark ValleyFamily Promise of North IdahoFamily Promise of the PalouseFamily Services Alliance of Southeast IdahoHome Partnership FoundationHomeless Management Information Systemhousingidaho.comIdaho Affordable Housing Management

AssociationIdaho Association of Commerce and IndustryIdaho Association of CountiesIdaho Association of Mortgage ProfessionalsIdaho Building Contractors Association Idaho Community Bankers AssociationIdaho Community Choices CommitteeIdaho Fair Housing ForumIdaho Falls Chamber of CommerceIdaho Falls Rescue Mission/Family Care CenterIdaho Hispanic Chamber of CommerceIDAHO, Inc.

Idaho Main Street Partners CommitteeIdaho Mortgage Lenders AssociationIdaho Nonprofit CenterIdaho REALTORS® AssociationIdaho Rural Partnerships BoardIdaho Youth RanchInterfaith Sanctuary Housing Services, Inc.Jubilee HouseLemhi County Crisis Intervention Lewis Clark Valley Chamber of CommerceLewiston-Clarkston Partners Habitat for

HumanityMeridian Chamber of CommerceMini-Cassia Chamber of CommerceNampa Association of REALTORS® Nampa Chamber of CommerceNational Association of Home BuildersNational 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 ServicesNeighborWorks PocatelloOneida Crisis CenterOrganization Assisting the Homeless StudentPacific Northwest Regional Council of

NAHROPhilanthropy NorthwestPocatello Chamber of CommerceRamp up IdahoSandpoint Chamber of CommerceSnake River Valley Building Contractors

AssociationSojourners’ AllianceSouth Central Community Action PartnershipSoutheastern Idaho Community Action AgencySt. Vincent de Paul North IdahoStatewide Bike and Pedestrian Advisory

CommitteeSupportive Housing and Innovative PartnershipsThe AdvocatesThe Good Samaritan HomeThe Guardians FoundationThe Jesse Tree of IdahoThe Salvation Army LewistonThe Salvation Army Treasure ValleyToys for Tots FoundationTwin Falls Association of REALTORS®Twin Falls Chamber of CommerceUnited WayValley HouseVictory HouseWestern Idaho Community Action PartnershipWomen’s and Children’s Alliance

2014 $790,000

2013 $665,000

2012 $587,700

$250,000 $500,000 $750,000 $1M

Boise HeadquartersP.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 Branch506 S. Woodruff Ave. Idaho Falls, ID 83401

208.522.6002 866.684.3756

Lewiston Branch215 Tenth Street, Suite 101 P.O. Box 342 Lewiston, ID 83501

208.743.0251 866.566.1727

Twin Falls Branch844 Washington St. N., Suite 300 Twin Falls, ID 83301

208.734.8531 866.234.3435