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Today’s Mortgage Rates in Idaho

Today’s mortgage and refinance rates plus current home buying and refinance advice for Idaho residents

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Mortgage Lenders in Idaho Since 1992

Are you ready to buy a home in Idaho? You can start right here, right now. Sammamish Mortgage can help you get preapproved to buy the home of your dreams. Kick off your home loan adventure by filling out a loan application with the help of an experienced Loan Officer or by using our intuitive online system.

Idaho Mortgage Rates

Mortgage rates in Idaho are set based on the following:

  • Who you choose as your mortgage lender
  • The interest rate you qualify for
  • Your available funds for a down payment
  • How good your credit score is
  • The type of loan you hope to get
  • Lender fees and closing costs

Idaho Mortgage Lenders

Want the best mortgage rate? You’ll need to work with a mortgage company that has a reputation for transparency. A good sign is a lender who uses salaried Loan Officers instead of paying a percentage of each loan amount out as an LO commission. This helps ensure the loan you get is right for you, not just the biggest one you qualify for.

Idaho Home Loan Programs

Idaho 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.

Ready to get pre approved? Begin your loan application online today.

Connect with America’s Lending Experts today!

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

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