Today’s Mortgage Rates in Boise City

Today’s mortgage and refinance rates plus current home buying and refinance advice for Boise City residents
Boise City
  • Interest Rate
  • APR

* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment

Achieve Your Boise Homeownership Dreams with Trusted Mortgage Guidance Since 1992

Embarking on the path to homeownership in Boise? Allow us to illuminate your journey. Sammamish Mortgage has been a beacon for Boise’s homebuyers for over thirty years, helping them navigate the complexities of the mortgage process. From the tranquil Boise River Greenbelt to the bustling streets of Downtown, our intimate understanding of Boise’s diverse charm equips us to provide you with unparalleled guidance every step of the way.

Understanding Mortgage Rates in Boise

Venturing into Boise’s inviting real estate market? It’s crucial to be informed that mortgage rates in the City of Trees are influenced by various elements:

  • Your mortgage lender selection
  • Prevailing interest rates
  • The amount of your down payment
  • Your credit standing
  • The mortgage type you opt for
  • Final fees and closing costs

Boise’s Trusted Mortgage Professionals

Securing the most advantageous mortgage rate in Boise starts with choosing a lender that stands for transparency. Our Loan Officers at Sammamish Mortgage are salaried experts committed to providing personalized, pressure-free recommendations that serve your best interest.

Exploring Boise’s Housing Market

Boise offers a wide array of housing options, from charming craftsman homes in the North End to contemporary urban apartments. It’s a city that caters to an eclectic mix of tastes and lifestyles, ensuring you’ll find the perfect place to call home.

Tailored Home Loan Programs in Boise

Boise’s varied housing market is matched by our extensive selection of loan programs, designed to meet the specific needs of its residents. Whether you’re buying your first home or considering refinancing, we’re ready with the perfect solution for you.

Boise City Mortgage Lenders

Want the best mortgage rate? You’ll need to work with a mortgage lender that has a reputation for transparency.  This helps ensure the loan you get is right for you, not just the biggest one you qualify for.


Boise City Home Loan Programs

Boise City borrowers have multiple loan options when it comes to getting their hands on a real estate loan. Here are some of the most popular home mortgage loan programs:

30-year fixed rate loans

30-year fixed rate conventional loans provide Idaho home buyers with a low monthly mortgage payment, in exchange for more total interest paid over the life of the loan.

VA loans

Veterans, active duty military, or surviving spouses of service members may be able to get a VA loan with a low down payment or no down payment at all.

FHA loans

If you have a low income or are a first-time home buyer, an FHA loan might help you buy a home sooner than you expected. You’ll be able to take advantage of flexibility when it comes to your down payment and credit score, and may also be able to qualify for closing cost assistance.

Jumbo loans

Living in an expensive zip code may make you think you’ll have to rent forever. However, a jumbo loan can be right for you if your chosen neighborhood has homes priced over conventional loan limits.

Other Cities We Service in Idaho:

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Connect with a Mortgage Advisor Today!

Whether you’re buying a home or ready to refinance, our professionals can help.

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