Advertising Disclosure: Conventional Fixed Rates

  • Interest rate quoted assumes a FICO score of 740, loan amount of $200,000, and maximum loan to value of 80%.
  • The home is a Single Family, primary residence, located in Idaho, purchase price $250,000.
  • Rates subject to change with out notice, can change daily, and are based on a 30 day lock period.
  • Escrow account required for property taxes and home insurance.
  • Payment shown do not included taxes or home insurance

 

Conventional Fixed Rates

30-Year Fixed Conventional

Loan Amount $200,000
Initial Interest Rate (360 Months) 4.193%
Annual Percentage Rate (APR) 4.255%
IInitial Monthly Payments Principal and Interest (360 Months) $977.22

 

 

15-Year Fixed Conventional

Loan Amount $200,000
Initial Interest Rate (360 Months) 3.334%
Annual Percentage Rate (APR) 3.44%
Initial Monthly Payments Principal and Interest (360 Months) $1413.52

 

 

30-Year Fixed Idaho Housing (Information about IHA loans here)

Loan Amount $200,000
Initial Interest Rate (360 Months) 4.375%
Annual Percentage Rate (APR) 4.418%
Initial Monthly Payments Principal and Interest (360 Months) $998.57

Advertising Disclosure: Government Fixed Rates

  • Interest rate quoted assumes a FICO score of 740, Purchase price of $200,000.
  • Loan to value for FHA is 96.5%, and assumes upfront required mortgage Insurance, 3.5% down payment.
  • Loan to value for RD is 100%, and assumes upfront required mortgage insurace, ZERO down payment
  • VA loan assumes First Time Use of VA Eligiblity, Loan to value is 100%, ZERO down payment
  • The home is a Single Family, primary residence, located in Idaho.
  • Rates subject to change with out notice, can change daily, and are based on a 30 day lock period.
  • Escrow account required for property taxes and home insurance.
  • Payment shown do not included taxes or home insurance or mortgage insurance

 

Government Fixed Rates

30-Year FHA Loan  (Information about FHA loans here)

Loan Amount with FHA Up Front Mortgage Insurance $196,377.50
Initial Interest Rate (360 Months) 3.75%
Annual Percentage Rate (APR) 4.77%
Initial Monthly Payments Principal and Interest (360 Months) $909.45

 

 

30-Year Fixed VA Loan  (Information about VA loans here)

Loan Amount with Up  Front VA Funding Fee.  (Find out more about funding fee here) $204,300
Initial Interest Rate (360 Months) 3.75%
Annual Percentage Rate (APR) 3.948%
Initial Monthly Payments Principal and Interest (360 Months) $946.15

 

 

30-Year Fixed Rural Development  (Information about RD loans here)

Loan Amount with Up Front Mortgage Insuranc (as of 10/1/2016) $202,020.00
Initial Interest Rate (360 Months) 3.75%
Annual Percentage Rate (APR) 4.211%
Initial Monthly Payments Principal and Interest (360 Months) $935.59

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