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Purpose: State: Loan Amount: Loan Type: Points:
$ GO
Institution Payments Rates Apr Points Fees Last Update   Phone – A Direct Lender $1157.79 3.750% 3.814% 0.000% $1950.00 10/07/2011 – A Direct Lender $1122.61 3.500% 3.703% 1.697% $1950.00 10/07/2011 – A Direct Lender $1140.13 3.625% 3.754% 0.789% $1950.00 10/07/2011
Data provided by Informa Research Services click here for details

Current Mortgage Rates

While the housing crash and poor economy has had disastrous impacts on many people’s financial lives, one benefit that has come out of it all is that interest rates on all loan products, including mortgages, have remained quite low. Throughout mortgage rates history, consumers have not had the ability to take advantage of rates this low. Someone who is able to take advantage of the lowest rates in mortgage rates history could end up saving thousands of dollars per year by getting rid of excess interest charges. Low interest rates are available to borrowers in all 50 states, although the interest rates available can vary a bit from state to state.

One of the states that can offer very low rates to consumers looking for either a new mortgage or to refinance an existing one is Idaho. Similar to many other states in the country, Idaho mortgage rates have fallen to historically low levels. Consumers who live in Idaho and are renting or already have a mortgage should take advantage of the Idaho mortgage rates to save a considerable amount of money each year. When looking for a Idaho mortgage it would be a good idea to work with a lender that specializes in Idaho mortgages. These lenders are fully aware of the specific state laws, so they will be able to find mortgage products for you that some other lenders without experience in Idaho would be able to find.

While Idaho mortgage rates are extremely low compared to the historical averages, most lenders in Idaho follow the same stringent underwriting standards that lenders do in other states. One of the biggest underwriting standards that banks in both Idaho and the other states follow is requiring their borrowers to have good credit scores. A few years ago a credit score of 700 or better was more than enough to qualify for a great interest rate. Today a borrower will need a score of 740 or more to get the best rates. However, if you have a score of 620 or more you can still qualify for some loan, but you may have to pay a much higher interest rate.

Getting a very good interest rate in Idaho will require you to have some equity in your home as well. While Idaho has not experienced nearly the same decline, many borrowers may have less equity than they did in the past. To qualify for a loan, you will need at least 10% equity.

4.25% 30 Year Fixed Rate
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