Fixed Rate
Perfect for purchasing your dream home.
Fixed 30 Year1
as Low as
Rate: 6.625%
0.000% POINTS
Home Loans
Let us help you find your dream home.
Our team of expert lenders is here to help you through the process of purchasing your dream home, from contract to close. With affordable rates and local decision-making, we're here to help you get your keys for your new home.
Click Apply Now to create an account and start your application.
Check out our rates
Fixed 20 Year1
as Low as
as Low as
Rate: 6.125%
0.000% POINTS
Fixed 15 Year1
as Low as
as Low as
Rate: 5.875%
0.000% POINTS
Fixed 10 Year1
as Low as
as Low as
Rate: 5.750%
0.000% POINTS
30 Year Fixed Rate2 Refinance as low as
Rate: 6.875%
0.000% POINTS
20 Year Fixed Rate2 Refinance as low as
Rate: 6.500%
0.000% POINTS
15 Year Fixed Rate2 Refinance as low as
Rate: 6.125%
0.000% POINTS
10 Year Fixed Rate2 Refinance as low as
Rate: 6.000%
0.000% POINTS
Jumbo
Finance a purchase that exceeds the conforming loan limit with our Jumbo Loan.
Construction
Build your dream home with our timely construction lending team.
FHA
Flexible down payment and credit score options to make purchasing a home possible for everyone.
Refinance
Is it time for you to refinance to get cash out or lower your payment?
Your guide to the mortgage process.
It can be hard to know where to start as a first time home buyer. Check out our first time home buyer's guide to get the insight you need to start on the right path.
Disclosures
Rates Section 1 Rate 1 Disclosure Rates Section 1 Rate 2 Disclosure
Rates Section 1 Rate 3 Disclosure Rates Section 1 Rate 4 Disclosure
Rates Section 2 Rate 1 Disclosure Rates Section 2 Rate 2 Disclosure Rates Section 2 Rate 3 Disclosure Rates Section 2 Rate 4 Disclosure
APR = Annual Percentage Rate. These rate offers are effective 11/20/2024 and subject to change. Rates displayed are the "as low as" rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy, and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates are subject to change without notice.
1 The information provided assumes the purpose of the loan is to purchase a property, the property is located in Idaho, and is within Nez Perce County. The property is an existing single family home valued at $300,000 and will be used as a primary residence. An escrow (impound) account will not be established. Loans with a down payment of less than 20% may require mortgage insurance which could increase the APR and payment amount. Payment examples below include a 25% retention of equity in the property. The rate lock period is 45 days and the assumed credit score is 780 or greater.
A fixed rate loan for $225,000 for 30 years at 6.625% interest and 6.788% APR will have an estimated monthly payment of $1440.70.
A fixed rate loan for $225,000 for 20 years at 6.125% interest and 6.332% APR will have an estimated monthly payment of $1628.24.
A fixed rate loan for $225,000 for 15 years at 5.875% interest and 6.132% APR will have an estimated monthly payment of $1883.52.
A fixed rate loan for $225,000 for 10 years at 5.750% interest and 6.112% APR will have an estimated monthly payment of $2469.81.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
2The information provided assumes the purpose of the loan is to refinance an existing mortgage, with a loan amount of $225,000 and an estimated property value of $300,000. Payment examples below include a 25% down payment. The property is located in ID and is within Nez Perce county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 780 or greater.
A fixed rate loan for 30 years at 6.875% interest and 7.056% APR will have an estimated monthly payment of $1478.09.
A fixed rate loan for 20 years at 6.500% interest and 6.730 % APR will have an estimated monthly payment of $1677.54.
A fixed rate loan for 15 years at 6.125% interest and 6.408% APR will have an estimated monthly payment of $1913.91.
A fixed rate loan for 10 years at 6.000% interest and 6.397% APR will have an estimated monthly payment of $2497.96 .
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
3 Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy regarding your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.