Compare Mortgage Rates

  • Refinance
  • Home Purchase
  • Home Equity
  • Debt Consolidation

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Include 1st & 2nd mortgages plus any equity loans or credit lines
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Verisign

Idaho Mortgages at a glance

Average 25th Percentile 50th Percentile 75th Percentile
Loan Amount $162,031 $102,500 $141,600 $196,800
Property Values $208,855 $122,500 $182,500 $245,000
Average LTV 82.8%
Percent Refinance 71.9%
Pct of Refis Cashout 8.9%

Idaho Mortgage Rates

The hunt for a low rate Idaho mortgage can be tricky. Imagine being prequalified for an ARM that's tied to LIBOR or COFI, and wondering who LIBOR is and what he has to do with ARM and COFI. Don't worry... you're in the right place. Mortgageloan.com has the resources to answer these questions and many more, including everything you need to learn about cash-out refinancing, home equity loans, interest-only mortgages, or even debt consolidation. You can start honing your mortgage knowledge by reviewing article topics and posted mortgage loan rates. You can also request personalized rate quotes that will help you calculate how much loan you can afford. Use those estimated interest rates to run scenarios on our mortgage calculators until you feel comfortable with the debt load and repayment amount. If you have questions specific to your situation, contact some of the lenders in our Idaho broker directory for personalized assistance.

Everbank

4.166%APR

Rates as of: 4/23/2014 30 Yr. Fixed
  • National Direct Lender without broker costs.
  • Dedicated Mortgage Specialists. Exceptional Service
  • Higher Balance Call for Rates !
Show Phone number

Call Now: 866.765.0740

Rate APR Term Point Payment
  • 4.125%
  • 4.166%
  • 30 Yr. Fixed
  • 0.000%
  • $994

Quicken Loans

4.473%APR

Rates as of: 4/23/2014 30 Yr. Fixed
  • We close our loans FAST - many in 30 days or less!
  • Rates are still historically low! Lock in a low rate and payment today.
  • Why pay more for your home than you have to? Check out rates now.
Show Phone number

Call Now: 800-695-1899

Rate APR Term Point Payment
  • 4.125%
  • 4.250%
  • 4.500%
  • 4.375%
  • 4.500%
  • 4.500%
  • 4.500%
  • 4.473%
  • 4.514%
  • 4.646%
  • 4.510%
  • 4.677%
  • 4.663%
  • 4.645%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 2.000%
  • 0.875%
  • 0.750%
  • 0.000%
  • 0.000%
  • 0.000%
  • $994
  • $1,008
  • $1,039
  • $1,024
  • $1,039
  • $1,039
  • $1,039

Capital One

4.327%APR

Rates as of: 4/23/2014 30 Yr. Fixed
  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
Show Phone number

Call Now: 855-238-8771

Rate APR Term Point Payment
  • 4.125%
  • 4.250%
  • 4.500%
  • 4.327%
  • 4.367%
  • 4.533%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 1.000%
  • 0.000%
  • $994
  • $1,008
  • $1,039

Discover

4.336%APR

Rates as of: 4/23/2014 30 Yr. Fixed
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
Show Phone number

Call Now: 855-882-9568

Rate APR Term Point Payment
  • 4.125%
  • 4.250%
  • 4.375%
  • 4.500%
  • 4.625%
  • 4.336%
  • 4.376%
  • 4.448%
  • 4.509%
  • 4.602%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 1.750%
  • 0.750%
  • 0.125%
  • -0.625%
  • -1.000%
  • $994
  • $1,008
  • $1,024
  • $1,039
  • $1,054
See more rates

The advertised rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the quotes. More Info.. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.

Idaho Rate Map

Our Idaho Rate Map shows the mortgage rates borrowers have been getting in different parts of the state. Each “balloon” represents a single mortgage loan where the borrower has chosen to discretely share their loan information.

Clicking on individual markers lets you see the mortgage rates other Idaho borrowers have been able to get with different credit scores, loan-to-value ratios, loan amounts and other factors. The list of options at left can be used to narrow down your choices.

Like to join in? If you recently obtained or refinanced a mortgage and would like to share your rate information anonymously, just click on “Share Your Rate” above the map and fill out the boxes indicated. Your fellow borrowers will appreciate it!

NOTE: MortgageLoan.com cannot guarantee the accuracy of the data provided as it is submitted by our visitors.

Subprime

As a subprime borrower in Idaho, your task is somewhat more challenging than your perfect-credit counterparts. While you're ready to recover from past credit troubles, some lenders might focus on your past rather than on your future. Your job, therefore, is threefold:

  • Talk to as many subprime or bad credit lenders as possible.
  • Gather written quotes.
  • Analyze quotes with a fine-tooth comb; watch for extra loan fees, balloon payments, and variable interest rates.

Loan Rates

Knowing which factors will influence your mortgage loan rate makes your mortgage search far more efficient. First, understand that economic trends tend to determine the range in which mortgage rates will fluctuate. Within that range, your offered rate might depend on:

  • How much you want to borrow relative to the home's value. On a purchase or refinance mortgage, you can get the best rate by borrowing 80 percent or less of the home's value.
  • Your creditworthiness. Creditworthiness is a lender's term referring to how likely you are to pay the money back on time. The more creditworthy you are, the lower your rate will be.
  • How the loan is structured. Mortgages with shorter amortization periods have lower rates than longer-term loans.

Compare Local Mortgages

Whether you hail from the historic town of American Falls or the capital city of Boise, you can find a low rate mortgage for your Idaho property. Comparing Idaho mortgage loan rates is far easier when you make use of mortgage calculators. During your mortgage search, you might need to know which works out better, an adjustable-rate mortgage (ARM) or a fixed-rate mortgage (FRM). Or you might wonder how much more interest you'd pay if you made interest-only payments for the first year. Both questions, and many more, can be solved quickly with the calculators available at Mortgageloan.com. Your primary concern should be to ensure that you have enough loan offers to compare. Get started in the right direction by contacting several lenders in the Idaho broker directory.