Idaho Mortgage Rates & Home Financing Information

Home in the country.Residents of the Gem State can research competitive Idaho mortgage rates from some of the state’s leading mortgage brokers, lenders, banks and credit unions. Idaho is booming with natural beauty including the Rocky Mountains, the Snake River, Hells Canyon, and the Lost River Range. When you combine the state’s great natural attractions with the cosmopolitan elements of Boise, Coeur d’Alene, Idaho Falls, Pocatello, and Lewiston, you have the perfect mix for good living!

When it comes to obtaining an Idaho mortgage, we want to make sure that you are getting great Idaho mortgage rates. Whether you are simply looking to refinance your property near the Washington border outside of Lewiston, purchase a townhouse down in Twin Falls, or need a rental property mortgage for an investment home in beautiful Salmon, begin your Idaho mortgage rate research at ForTheBestRate.com!

Use the rate table below to compare Idaho mortgage rates from various lenders:

How Our Rate Tables Work

Ever day we receive interest rate information from a third party provider. The mortgage rates, closing costs, and APR information provided in the table is submitted directly by the various mortgage lenders, brokers and banks. We are not responsible for the accuracy of the rates supplied by the financial institutions. Rates may vary for multiple reasons such as the type of properties being financed (i.e. stick built homes, condominiums, manufactured homes, etc.), how the owners plan to occupy the property (i.e. owner-occupied, second home, or investment property), or other reasons. You can use the product dropdown menu to navigate between various fixed rate (30,20,15, and 10 year) and adjustable rate (3/1, 5/1, and 7/1) solutions . You can also view jumbo mortgage rates by entering in a non-conforming loan amount in the relevant field in the survey. We encourage you to speak with multiple mortgage companies directly to verify whether or not you may qualify for the listed pricing.

Idaho Conforming Loan Limits

a home's front porch with American flagDepending on where you’re purchasing property, and how much money you are able to put down, you may have to apply for jumbo home financing, a special type of mortgage loan that allows borrowers to take out loans for more than the conforming limits. If you’re wondering whether or not you might need a jumbo home mortgage, check the conforming loan limits in your area. If you don’t see your county’s information listed below, ask your lender about your area’s conforming loan limits. Keep in mind that this information is subject to change. Talk to a mortgage professional for the most accurate and up-to-date information.

Ada County, ID
Single Family: $417,000
Duplex: $533,850
Triplex: $645,300
4-Unit: $801,950

Blaine County, ID
Single Family: $625,500
Duplex: $800,775
Triplex: $967,950
4-Unit: $1,202,925

Boise County, ID
Single Family: $417,000
Duplex: $533,850
Triplex: $$645,300
4-Unit: $801,950

Kootenai County, ID
Single Family: $417,000
Duplex: $533,850
Triplex: 645,300
4-Unit: 801,950

Nez Perce County, ID
Single Family: $417,000
Duplex: $533,850
Triplex: $645,300
4-Unit: $801,950

Teton County, ID
Single Family: $625,500
Duplex: $800,775
Triplex: $967,950
4-Unit: $1,202,925