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 yr fixed refi in 83701, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.603
4.500
USD
First Internet Bank Logo
NMLS # 424182
(877) 321-6303
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $3,300
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.493
4.375
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
(877) 317-9611
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,832
 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.608
4.500
USD
Northpointe Bank Logo
NMLS # 447490
(877) 526-5061
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $3,469
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.301
5.125
USD
HSBC Bank Logo
NMLS # 399799
(877) 321-1946
at 0.100 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $5,592
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.994
4.875
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.100 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $3,739
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Renasant Bank
Renasant Bank
https://www.brimg.net/system/img/inst/10436_logo.gif
300000
Refinance
4.731
4.625
USD
Renasant Bank Logo
NMLS # 402669
(877) 526-6133
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $3,373
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.709
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MBL-6051
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,625
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.575
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MBL-8598
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $2,672
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.596
4.500
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 0.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,032
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sammamish Mortgage
Sammamish Mortgage
https://www.brimg.net/system/img/inst/2259_logo.gif
300000
Refinance
4.711
4.625
USD
Sammamish Mortgage Logo
NMLS # 118653
State Lic # MBL-8245
(877) 573-9525
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,666
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.826
4.725
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,560.42
Fees in APR: $3,172
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.677
4.490
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 1.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $3,467
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.881
4.750
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,503
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.951
4.875
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.100 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $2,313
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from One True Loan, Inc.
One True Loan, Inc.
https://www.brimg.net/system/img/inst/8860_logo.gif
300000
Refinance
4.582
4.500
USD
One True Loan, Inc. Logo
NMLS # 1132440
State Lic # MBL-8590
(877) 345-4351
at 0.625 pts
33 day lock rate
Est payment: $1,520.06
Fees in APR: $975
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.602
4.500
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MBL-4276
(877) 899-4115
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $3,257
 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.637
4.625
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
(877) 317-9611
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $424
 
 
30 yr fixed Mortgage Loan from Renasant Bank
Renasant Bank
https://www.brimg.net/system/img/inst/10436_logo.gif
300000
Refinance
4.779
4.750
USD
Renasant Bank Logo
NMLS # 402669
(877) 526-6133
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $995
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
5.140
5.125
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.000 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $491
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.750
4.750
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sammamish Mortgage
Sammamish Mortgage
https://www.brimg.net/system/img/inst/2259_logo.gif
300000
Refinance
4.764
4.750
USD
Sammamish Mortgage Logo
NMLS # 118653
State Lic # MBL-8245
(877) 573-9525
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $486
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.671
4.625
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,595
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.757
4.750
USD
First Internet Bank Logo
NMLS # 424182
(877) 321-6303
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $237
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.400
5.375
USD
HSBC Bank Logo
NMLS # 399799
(877) 321-1946
at 0.000 pts
30 day lock rate
Est payment: $1,679.91
Fees in APR: $848
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.750
4.750
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MBL-4276
(877) 899-4115
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.875
4.875
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MBL-6051
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
5.142
5.125
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: $574
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.875
4.875
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from One True Loan, Inc.
One True Loan, Inc.
https://www.brimg.net/system/img/inst/8860_logo.gif
300000
Refinance
4.750
4.750
USD
One True Loan, Inc. Logo
NMLS # 1132440
State Lic # MBL-8590
(877) 345-4351
at 0.000 pts
33 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.649
4.615
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MBL-8598
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $1,540.62
Fees in APR: $1,178
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.750
4.750
USD
Northpointe Bank Logo
NMLS # 447490
(877) 526-5061
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Watermark Home Loans
Watermark Home Loans
https://www.brimg.net/system/img/inst/8015_logo.gif
300000
Refinance
4.654
4.625
USD
Watermark Home Loans Logo
NMLS # 1838
(844) 365-0695
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,009
Watermark Home Loans is a BBB A+ rated Direct Lender. 
 
30 yr fixed Mortgage Loan from TIAA Bank
TIAA Bank
https://www.brimg.net/system/img/inst/1947_logo.gif
300000
Refinance
5.042
4.990
USD
TIAA Bank Logo
NMLS # 399805
(877) 899-4215
at 0.000 pts
45 day lock rate
Est payment: $1,608.63
Fees in APR: $1,767
 
 
30 yr fixed Mortgage Loan from Renasant Bank
Renasant Bank
https://www.brimg.net/system/img/inst/10436_logo.gif
300000
Refinance
4.600
4.375
USD
Renasant Bank Logo
NMLS # 402669
(877) 526-6133
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $4,506
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.649
4.500
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MBL-6051
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,875
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.667
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 2.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $8,355
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.524
4.375
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 1.100 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,922
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.798
4.625
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 1.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,665
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.442
4.250
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
(877) 317-9611
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,439
 
 
30 yr fixed Mortgage Loan from Sammamish Mortgage
Sammamish Mortgage
https://www.brimg.net/system/img/inst/2259_logo.gif
300000
Refinance
4.582
4.375
USD
Sammamish Mortgage Logo
NMLS # 118653
State Lic # MBL-8245
(877) 573-9525
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,903
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.168
4.875
USD
HSBC Bank Logo
NMLS # 399799
(877) 321-1946
at 1.100 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $6,526
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from One True Loan, Inc.
One True Loan, Inc.
https://www.brimg.net/system/img/inst/8860_logo.gif
300000
Refinance
4.521
4.375
USD
One True Loan, Inc. Logo
NMLS # 1132440
State Lic # MBL-8590
(877) 345-4351
at 1.375 pts
33 day lock rate
Est payment: $1,497.86
Fees in APR: $975
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.690
4.500
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,282
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.544
4.375
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MBL-4276
(877) 899-4115
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,600
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.444
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MBL-8598
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $3,866
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Washington Federal
Washington Federal
300000
Refinance
4.860
4.750
USD
Washington Federal
4.860%
10/12/2018
4.750%
at 1.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $768
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America, NA
Bank of America, NA
300000
Refinance
4.972
4.875
USD
Bank of America, NA
4.972%
10/16/2018
4.875%
at 0.725 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $1,144
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
5.163
5.125
USD
Raymond James Bank, NA
5.163%
10/16/2018
5.125%
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: $1,299
 
 

Mortage Data Provided by Bankrate.com 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.


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