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Idaho Mortgage Rates

Updated: February 24, 2018

Compare today's rates for Mortgage Refinance in ID

Loan Program
Loan Amount
Loan Type:
Credit Score


30 Year Fixed
4.990% Rate $1,073/mo
  • Updated February 24, 2018
  • A+ Rating with the Better Business Bureau


30 Year Fixed
4.125% Rate $969/mo
  • Updated February 24, 2018
  • Family owned and operated since 1992
  • Verifiable 5 Star Lender with low transparent rates and fees available 24/7
  • Home of the top ranked loan originator in the Pacific Northwest 4 years in a row


30 Year Fixed
4.990% Rate $1,073/mo
  • Updated February 24, 2018
  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.


30 Year Fixed
4.125% Rate $969/mo
  • Updated February 24, 2018
  • Get a free and no obligation rate quote in Idaho.
  • Direct Lender.
  • Call now and lock-in your low rate!


30 Year Fixed
4.750% Rate $1,044/mo
  • Updated February 24, 2018
  • Fast, Powerful and Completely Online
  • Get an approval to buy a home or refinance your mortgage in minutes.
  • Save time & avoid paperwork by sharing your financial info instantly.


30 Year Fixed
4.625% Rate $1,029/mo
  • Updated February 24, 2018
  • Direct Mortgage Lender. NMLS #1168
  • State License #MBL-7772
  • Apply Online. Quick Prequalification.

Mortgage rates for Idaho go down to 4.47%

Saturday, February 24, 2018

Mortgage rates for Idaho on Lender411 for 30-year fixed-rate mortgages are at 4.47%. That dropped from 4.51% to 4.47%. The 15-year fixed rates are now at 3.66%. The 5/1 ARM mortgage for Idaho is now at 3.81%.

If you are looking for up to the minute Idaho mortgage rates, you’ve come to the right place.  Finding the lowest rates is easy when you have access to our vast network of trusted mortgage professionals in Idaho. Talk to multiple mortgage lenders in ID to compare rate quotes and understand your options.

Idaho Mortgage Refinance

Why is it critical to find the lowest rate when refinancing?  Simply put, this is the entire goal of a refinance.  The lower your new rate, the more money you’ll save. While there are many ways to secure a refinance loan, the best option is the no cost refi, which allows you to switch to a new mortgage with a lower rate without paying the fees associated with closing a new loan.  This can literally save you thousands of dollars.

Home Loans in Idaho

The loan types available in Idaho are much like those available elsewhere.  One of the most widely available mortgage loan types is the 30 year fixed rate mortgage.  As the name implies, this loan comes with a fixed interest rate.  This is considered the most financially sound mortgage by many borrowers. Some opt for the 15-year fixed option.

The adjustable rate mortgage (ARM) is another common loan type.  You can also pursue a jumbo loan, interest-only loan, balloon mortgage, or other specialized loan type.  Whether or not one of these loans fits you will depend entirely on your needs and the requirements of your lender.  Government backed loans, such as the FHA loan and the VA loan, are available to those who qualify.

Idaho Scenery

About Idaho

Idaho is a beautiful, forested state nestled in the Pacific Northwestern United States.  The largest city in the state, Boise, is also the capital, and other major cities include Nampa and Pocatello. An abundance of natural resources led this state to be called "The Gem State".

Idaho is a highly agricultural state and is the exporter of nearly one third of the nation's potato crop.  Other important products include beans, lentils, sugar beets, and barley.  Some of the main industries in the state other than agriculture include lumber, machinery, paper products, mining, and dairy products.  The state has a growing science and technology influence.

To learn more about homeownership in Idaho or research ID home buying programs, visit the Idaho HUD portal.

Click on any of the links below to continue reading more about mortgage and refinance loans in Idaho.

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