Today's Refinance Rates5.1%5.4% APR Fixed Mortgage

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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
Piggy bank Save money
Lower cost Lower Payments

Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
House Become mortgage-free quickly
Lower interest Pay less interest

Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

Why should I cash out?
Paint roller Renovations
Credit card hazard Pay for other debts or emergencies
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Idaho Mortgage Rates

If you’re looking for wide-open spaces and a rural lifestyle that offers plenty of safety combined with a low overall cost of living and consumer-friendly tax laws, Idaho should be on the list of options you consider. The Gem State is a fantastic place to call home and an excellent destination for anyone looking to lock in a fantastic mortgage rate.

Common Idaho Loan Types:

  • Idaho conventional mortgages: Idaho mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on FreeRateUpdate.com to find the option that's right for you.
  • Idaho FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in Idaho on FreeRateUpdate.com today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
  • Idaho VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in Idaho through FreeRateUpdate.com. VA loans require no down payment and typically have lower interest rates than conventional mortgages.

Idaho Mortgage Rates Compared to National Averages

Mortgage rates in Idaho tend to fall right in line with the national average, although they have been known to tick slightly higher at times. In most cases, homebuyers looking for a 30-year or 15-year fixed-rate mortgage can find something that fits their needs right around the national average.

Idaho homebuyers can also explore adjustable-rate mortgages, where the mortgage rate will fluctuate depending on economic trends. In some cases, these loans offer significant savings through lower introductory rates. Please discuss the risks and benefits of an adjustable rate loan with your Loan Officer.