Idaho Mortgage Rates and Refinance Rates

Idaho Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Idaho. Our rate table has a list of Idaho mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Idaho you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Idaho include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Idaho listed below.

Loan Type Purchase    Refinance	Location State/City    Zip Code		Loan Amt	Points	FICO	% Down
30 year fixed refi 15 year fixed refi 10 year fixed refi 20 year fixed refi 5/1 ARM refi 7/1 ARM refi 10/1 ARM refi 3/1 ARM refi 5/1 ARM refi IO 7/1 ARM refi IO 3/1 ARM refi IO	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY    Boise Coeur D Alene Idaho Falls-Pocatello Moscow Twin Falls		$	All 0 0.1 - 1 1.1 - 2	660 - 679 680 - 699 700 - 719 720 - 739 740+	5% 10% 15% 20% 25% 30% 40%

30 yr fixed refi in 83701, All points, Credit score: 740+     Sort by: Default Lender APR Rate Fees in APR Payment Points

Lender

APR

Rate

Cost & Fees

Notes

 

(877) 407-3813

3.705%

10/17/2017

3.625%

at 0.100 pts
30 day lock rate

Est payment: $912.10

Fees in APR: $1,754

Thank you for your inquiry, we will be in touch shortly. 

 

Next

(877) 407-3813

3.779%

10/17/2017

3.750%

at 0.000 pts
30 day lock rate

Est payment: $926.23

Fees in APR: $700

Thank you for your inquiry, we will be in touch shortly. 

 

Next

(877) 407-3813

3.576%

10/17/2017

3.375%

at 1.100 pts
30 day lock rate

Est payment: $884.19

Fees in APR: $2,748

Thank you for your inquiry, we will be in touch shortly. 

 

Next

NMLS # 790396
(877) 591-8350

3.744%

10/17/2017

3.625%

at 1.000 pts
30 day lock rate

Est payment: $912.10

Fees in APR: $902

No Points No Games No Surprises! No Closing Cost Options! 

 

Next

NMLS # 1071
State Lic # MBL-6051
(877) 210-6855

3.785%

10/17/2017

3.750%

at 0.100 pts
30 day lock rate

Est payment: $926.23

Fees in APR: $656

Thank you for your inquiry, we will be in touch shortly. 

 

Next

NMLS # 790396
(877) 591-8350

3.817%

10/17/2017

3.490%

at 2.000 pts
30 day lock rate

Est payment: $896.97

Fees in APR: $3,900

No Points No Games No Surprises! No Closing Cost Options! 

 

Next

NMLS # 1071
State Lic # MBL-6051
(877) 210-6855

3.652%

10/17/2017

3.500%

at 1.100 pts
30 day lock rate

Est payment: $898.09

Fees in APR: $1,531

Thank you for your inquiry, we will be in touch shortly. 

 

Next

NMLS # 1071
State Lic # MBL-6051
(877) 210-6855

3.875%

10/17/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: None

Thank you for your inquiry, we will be in touch shortly. 

 

Next

NMLS # 790396
(877) 591-8350

3.750%

10/17/2017

3.750%

at 0.000 pts
30 day lock rate

Est payment: $926.23

Fees in APR: None

No Points No Games No Surprises! No Closing Cost Options! 

 

Next

(877) 341-6056

3.784%

10/17/2017

3.650%

at 1.100 pts
45 day lock rate

Est payment: $914.92

Fees in APR: $1,066

Thank you for your inquiry! We look forward to working with you. 

 

Next

NMLS # 1132440
State Lic # MBL-8590
(877) 345-4351

3.591%

10/17/2017

3.500%

at 1.125 pts
33 day lock rate

Est payment: $898.09

Fees in APR: None

Customized quotes ONLINE. No login required. Zero obligations. 

 

Next

NMLS # 118653
State Lic # MBL-8245
(877) 345-4860

3.696%

10/17/2017

3.500%

at 2.000 pts
30 day lock rate

Est payment: $898.09

Fees in APR: $795

 

 

Next

NMLS # 424182
(877) 900-8028

3.738%

10/17/2017

3.625%

at 0.100 pts
30 day lock rate

Est payment: $912.10

Fees in APR: $2,556

Thank you for your inquiry! 

 

Next

NMLS # 1132440
State Lic # MBL-8590
(877) 345-4351

3.655%

10/17/2017

3.625%

at 0.375 pts
33 day lock rate

Est payment: $912.10

Fees in APR: None

Customized quotes ONLINE. No login required. Zero obligations. 

 

Next

NMLS # 118653
State Lic # MBL-8245
(877) 345-4860

3.739%

10/17/2017

3.625%

at 1.000 pts
30 day lock rate

Est payment: $912.10

Fees in APR: $795

 

 

Next

(877) 341-6056

3.795%

10/17/2017

3.675%

at 0.100 pts
45 day lock rate

Est payment: $917.74

Fees in APR: $2,718

Thank you for your inquiry! We look forward to working with you. 

 

Next

NMLS # 424182
(877) 900-8028

3.890%

10/17/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $356

Thank you for your inquiry! 

 

Next

NMLS # 1132440
State Lic # MBL-8590
(877) 345-4351

3.750%

10/17/2017

3.750%

at 0.000 pts
33 day lock rate

Est payment: $926.23

Fees in APR: None

Customized quotes ONLINE. No login required. Zero obligations. 

 

Next

(877) 341-6056

3.847%

10/17/2017

3.800%

at 0.000 pts
45 day lock rate

Est payment: $931.91

Fees in APR: $1,136

Thank you for your inquiry! We look forward to working with you. 

 

Next

NMLS # 447490
(877) 526-5061

3.764%

10/17/2017

3.750%

at 0.000 pts
30 day lock rate

Est payment: $926.23

Fees in APR: $337

Thank you for your inquiry! 

 

Next

NMLS # 118653
State Lic # MBL-8245
(877) 345-4860

3.908%

10/17/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $795

 

 

Next

NMLS # 399805
(877) 899-4215

3.818%

10/17/2017

3.750%

at 0.000 pts
45 day lock rate

Est payment: $926.23

Fees in APR: $1,665

Direct Lender. Exceptional Service.Higher Balance Call for Rates. 

 

Next

NMLS # 417490
(877) 808-7051

3.906%

10/17/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $744

Thank you for your inquiry! 

 

Next

Citizens Bank, NA

4.177%

10/13/2017

4.125%

at 0.125 pts
60 day lock rate

Est payment: $969.30

Fees in APR: $998

 

 

Bank of America, NA

4.111%

10/17/2017

4.000%

at 0.760 pts
60 day lock rate

Est payment: $954.83

Fees in APR: $1,144

 

 

Raymond James Bank, NA

4.305%

10/17/2017

4.250%

at 0.000 pts
45 day lock rate

Est payment: $983.88

Fees in APR: $1,299

 

 

Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.

Idaho Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Idaho. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Idaho mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Idaho mortgage loans that have been made. As a result, Idaho mortgage rates today are lower than jumbo interest rates in Idaho. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Idaho Super Conforming Home Loan Rates

Super conforming mortgages in Idaho are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Idaho Jumbo Loan Interest Rates

Idaho jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Idaho are usually 0.75 basis points higher than conforming mortgage rates in Idaho because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Idaho Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Idaho. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Idaho Adjustable Interest Rates

Idaho adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Idaho Interest Only Home Mortgage Rates

Idaho interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Idaho FHA Mortgage Mortgage Rates

Borrowers in Idaho must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Idaho are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.

Cities in Idaho