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Idaho Fixed Mortgage Rates

img Idaho Average img National High img National Low img
Loan Type Base Rate APY Points Base Rate APY Points Base Rate APY Points
5.000 5.125 0.750 6.500 6.375 0.125 3.875 4.125 2.125
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4.500 4.625 0.625 6.625 6.500 0.000 3.750 4.000 2.125
4.625 4.875 0.625 6.125 6.125 0.125 3.375 3.750 2.125
4.250 4.476 1.125 6.000 6.125 0.000 3.250 3.750 2.000

Idaho Adjustable Mortgage Rates

img Idaho Average img National High img National Low img
Loan Type Base Rate APY Points Base Rate APY Points Base Rate APY Points
4.625 4.143 N/A 4.750 4.177 0.000 3.625 3.733 3.250
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3.938 3.559 N/A 7.000 4.875 0.000 2.750 0.750 3.101
3.625 3.423 1.125 6.500 4.500 0.000 2.375 3.125 2.375
3.125 3.250 0.750 6.125 4.125 0.125 2.500 3.250 1.125
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Mortgage Rates at 4.25%*

  • $150,000 loan for under $867/month
  • $225,000 loan for under $1,301/month
  • $350,000 loan for under $2,023/month
 

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National vs Idaho 10/1 ARM Mortgage Monthly Payments

Loan Amount img Idaho Average img National High img National Low img  
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$771.21                      $782.47                      $684.08                     
$874.04                      $886.80                      $775.29                     
$2,107.97                      $2,138.75                      $1,869.81                     

National vs Idaho 30-yr. fixed Mortgage Monthly Payments

Loan Amount img Idaho Average img National High img National Low img  
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$760.03                      $960.47                      $694.67                     
$861.37                      $1,088.53                      $787.30                     
$2,077.41                      $2,625.27                      $1,898.77                     

National vs Idaho 15-yr. fixed Mortgage Monthly Payments

Loan Amount img Idaho Average img National High img National Low img  
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$1,128.42                      $1,265.79                      $1,054.00                     
$1,278.87                      $1,434.56                      $1,194.54                     
$3,084.34                      $3,459.81                      $2,880.94                     

National vs Idaho 5/1 ARM Mortgage Monthly Payments

Loan Amount img Idaho Average img National High img National Low img  
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$684.08                      $948.10                      $582.98                     
$775.29                      $1,074.52                      $660.71                     
$1,869.81                      $2,591.48                      $1,593.48                     

National vs Idaho 3/1 ARM Mortgage Monthly Payments

Loan Amount img Idaho Average img National High img National Low img  
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$642.56                      $911.42                      $592.68                     
$728.24                      $1,032.94                      $671.71                     
$1,756.34                      $2,491.20                      $1,620.00                     
Source: U.S. Department of Housing and Urban Development - Mar 31, 2009

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Average Rates

15-yr fixed*

4.25%

30-yr fixed*

4.5%

Need help buying a home? You may qualify for one of these programs.

  • Blaine-Ketchum Housing Authority - affordable homeownership opportunities in Blaine County
  • City of Boise - an opportunity for low/mod income persons/families to purchase a home in the Boise City Limits
  • Community contacts - find out if your community offers homeownership assistance
  • Eastern Idaho Community Action Partnership - limited income families helping each other build their homes
  • Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
  • Homeownership vouchers - some public housing agencies help you become a homeowner through the Housing Choice Voucher Homeownership Program
    • Boise City/Ada County Housing Authority
    • Idaho Housing and Finance Association
    • Pocatello Housing Authority
    • Southwestern Idaho Cooperative Housing Authority (208) 467-7461
  • Idaho Development and Housing Organization - Mutual Self-help and Self-help Home Ownership Programs in Region 3 (Adams, Boise, Canyon, Elmore, Gem, Owyhee, Payette, Valley, and Washington Counties)
  • Idaho Housing and Finance Association - homebuyer programs, including downpayment and closing cost assistance
  • Mercy Housing Idaho - limited income families helping each other build their homes
  • Neighborhood Housing Services - low-interest mortgage products statewide to help low and moderate-income families purchase or rehabilitate homes
  • Pocatello Neighborhood Housing Services - PNHS builds affordable housing and rehabilitates homes for resale
  • SouthEastern Idaho Community Action Agency - limited income families helping each other build their homes
  • USDA Rural Development - homebuyer programs in rural communities
Home Repairs: Idaho

The programs and resources listed below help homeowners with home repairs and improvements.

  • Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
  • Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs
  • USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas
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*Mortgage Rate of 4.25% is for qualified borrowers for a 10-year fixed rate mortgage to refinance an owner-occupied, one-unit, single family dwelling for a loan of $165,000 to $417,000 ($165,000 to $625,500 in Alaska and Hawaii). If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types. Not all service providers in our network offer this or other products with fixed rate options.

**This advertised rate is for qualified borrowers for to refinance an owner-occupied, one-unit, single family dwelling for a loan of $150,000, $225,000 or $350,000 with a interest only monthly payment of $867, $1301 or $2023. This is an interest only adjustable rate that is fixed for the first 12 months then is subject to increase no more than 1% every 6 months thereafter (until rate has caught up to fully indexed rate). To be eligible for this program borrower must meet applicable credit requirements, including a FICO score of at least 620. MortgageDebt.com is not acting as a lender or broker. The information provided by you to MortgageDebt.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types.

Last Updated: September 07, 2010