Boise, ID Mortgage Rates

Live mortgage rates and costs in seconds! – No email, Social Security Number or Personal Information is required. Serving home buyers in Boise, ID since 1992!

Your Best Rates Here

$ 3,892
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
/mo
6.750%
7.034%
2.471
$0
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$ 4,042
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
/mo
7.125%
7.285%
1.191
$0
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$ 4,195
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
/mo
7.500%
7.542%
-0.087
$0
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Whether you’re buying a home or ready to refinance, our professionals can help.

Live Mortgage Rate Quote Tool – Live Rates 24/7 

Over 15 years ago we decided to be one of the first mortgage companies to allow our clients to get rates and costs online with our online rate quote tool. This transparency has helped us build trust with our clients and empowered them to take control of the mortgage process and with guidance from our experienced Mortgage Advisors make informed decisions on what loan structure works best for their specific situation.

Boise Mortgage Rates

There are plenty of perks that come with living in Boise, ID. For starters, Boise offers a plethora of outdoor activities thanks to its wonderful natural landscapes and incredible climate. From hiking to mountain biking, to boating, and even surfing, there’s no shortage of things to do to enjoy the great outdoors in Boise.

Boise is also one of the safest cities to live in Idaho, not to mention the country. The city was recently ranked the 8th safest city in the world, according to MSN. Anyone looking to buy a home and move to a new city will certainly want to know what the crime rate is like before moving. Luckily for them, Boise fits the bill.

Last but not least, Boise is a more affordable city to call home compared to other centers in the west. As of August 2023, the median home price in Boise is $472,757.

Besides housing, other costs of living are also less expensive in Boise, including things such as taxes, medical care, utilities, and even kids’ activities and lessons. Boise’s cost of living is less expensive compared to other cities in neighboring states.

If you’re on the prowl for a home in Boise, there are plenty of amazing neighborhoods to choose from. Buyers should team up with a seasoned mortgage company to help them secure the right mortgage with terms and rates that suit their budget. And Sammamish Mortgage can help in this department.

Understanding Your Quote and Percentage Rate

Your rate quote is based on a variety of factors (including your credit score, down payment, and purchase price) and delivers the most accurate results possible based on your inputs.

  • Detailed costs breakdown: Click on the “view” tab under “details” to see an itemized list of all estimated costs.
  • Rate & APR: Your rate is the anticipated interest rate. The APR is the total cost of your loan, expressed as an annual percentage rate.
  • Origination charges: Sammamish Mortgage doesn’t charge industry-standard lender fees, so the amount for “origination fee” will typically be zero.
  • Discount points: You can buy “points” by paying an amount for each point equal to 1% of the purchase price, and lower your interest rate by up to a quarter of a percent for each point purchased.
  • Monthly mortgage payment: This includes the principal and interest included in your base monthly payment.
  • Estimated third-party charges: This includes the wide range of fees included in your closing costs.
  • Closing costs: The closing cost total listed includes everything except prepaid items such as property taxes, homeowner’s insurance, and daily interest.
  • Private mortgage insurance premiums: PMI is required on loan to value (LTV) ratios over 80% (except on VA loans). We offer reduced PMI options with as little as 3% down.
  • Rate locks: We can lock your rate from 30 up to 180 days.

Why Sammamish?

One of the big advantages of applying for mortgage rate quotes and preapproval through Sammamish Mortgage is that we charge none of the traditional lender fees added by mortgage brokers.

We also pay our Loan Officers a salary instead of a commission based on the loan amount, so they are motivated to help you find the best home loan, not just sell you the biggest loan.

If you are ready to move forward, you can view rates, obtain a customized quote using our Instant Rate Quote tool, or apply for preapproval directly from our website.

Rates Depend on Multiple Factors

Mortgage rates depend on a wide range of different factors. Just one of these factors is points and closing costs paid at closing. Additional factors that can affect your mortgage rate is credit score, down payment, property type, occupancy, loan program and number of days you are locking your rate. The rate quote tool quotes custom rates and costs based on your specific criteria to give you the most accurate reflection of what your rate will be without submitting a full application.

Understanding which rate and cost option best suites your situation isn’t easy. This is where the mortgage specialists at Sammamish Mortgage come into play. Our specialists are available to answer any questions you have, but they can also counsel you on which loan structure will best fit into your long-term financial plan.

Rate quote isn’t what you expected?

If your instant rate quote isn’t what you expected, we can provide counsel on how to potentially transform your quote into something more acceptable. Sammamish Mortgage is a family-owned mortgage company with over 30 years of experience in the industry. We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR, CO and CA. If you’re looking to buy a home in one of these states, we can help!

Our Reviews

Isaly D.
September 26, 2023
Very easy, friendly, knowledgeable and communicative. I really enjoyed work with Chris and Jana, they were very thorough and made the process easy. I appreciate that they were very real and I never felt pressured. Everything was laid out so there werent any hidden surprises which I appreciate. Thanks for making it so easy!
Darci E.
September 20, 2023
They were awesome !! Always answered my questions and kept me updated on progress. Both Stacey and Trevor were great!
Sherry B.
September 17, 2023
It was a very stressful time in my life. Sammamish Mortgage made the transition smooth!
Meghan M.
September 12, 2023
Everyone involved was excellent. Chris Lewis and Barb Kite were so professional and went above and beyond to assist us in closing early. Wonderful hard working people.
Juliah H.
September 7, 2023
The experience was exceptional, from beginning to end. All the questions we had were answered promptly and clearly. Working with Ryan Shane made our experience less stressful. I would recommend the mortgage company to my family and friends. Thank you!
Oriana Xin W.
September 7, 2023
Fantastic experience! We found the best rates with Sammamish and the fact that there were no origination fees made this a no-brainer. I only wish I found Sammamish Mortgage sooner!
Oriana Wen
September 6, 2023
Fantastic experience! We found the best rates with Sammamish and the fact that there were no origination fees made this a no-brainer. Plus, we were able to close early because of how efficiently they worked. I only wish I found Sammamish Mortgage sooner!

Sammamish Mortgage Can Help You with a Rate Quote

Get a personalized instant mortgage quote online in minutes today!
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We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR, CO & CA. If you’re looking to buy a home in one of these states, we can help!

  • Sammamish Mortgage No Cost Program
  • Live Real-Time Custom Rates and Costs
  • Low Mortgage Rate Quotes and Fees
  • Detailed Cost Breakdown
  • On Time Closing
  • Transparency In All We Do
  • Unparalleled Reputation
  • Communication Is Key
  • Reduced Monthly PMI
  • Fast Appraisals
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