Home Mortgage Loans

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Farmers Bank is a local, community-minded bank that offers a wide variety of mortgage products with some of the lowest rates and fees in the Magic Valley. All credit decisions are made locally and loans can be closed in as little as 30 days. Stop by our Blue Lakes branch and have a conversation with one of our financial experts to find a solution that fits your needs. Our goal is to provide you with the unsurpassed customer service that has kept us in business for over 100 years!


Housing prices are rising; interest rates are rising as well; many people are buying homes for monthly payments that beat rental rates; avoid landlord issues and realize the benefits of appreciating real estate values and owning your own home. Let our mortgage experts help you find the mortgage loan that best fits your needs.


Rates are still near record lows; refinancing your current higher rate mortgage can substantially reduce your monthly payments; consider shortening your loan to fifteen years, substantially reducing your total payments. Our mortgage specialists will discuss the options with you.

Low Down Payment Mortgages

Regardless of what you hear, there are still many low down payment mortgage loans available. You don’t have to have 20% set aside to buy a home. FHA, VA and First Home Buyers are getting into homes with as little as 1% down. Our mortgage professional will take you through the options.

One Time Close Construction Loans

We have single loan programs that cover the costs of construction and converts to term mortgage loan with fixed payments after you move in. You only sign one set of documents prior to beginning construction knowing that the long term mortgage is in place.

Bridge Loans

Wanting to buy before you have your current home sold? We have bridge loans that will get you into your new home while you are selling your current home. Our mortgage specialists can tell you if your transaction will qualify for this unique situation.


Farmers Bank has a variety of in-house mortgage loan options to accommodate your specific needs. With a wide selection of products including purchases, refinances, construction/renovation loans, Home Equity Lines of Credit, bare lot loans, and farm loans: Farmers Bank has a solution to your specific lending needs! For more details about our in-house financing options, contact one of our mortgage specialists today!


Get pre-approved before you shop so you know how much you can spend. Don't waste your time on houses you can’t afford. Getting pre-approved could save you the embarrassment of being turned down after you've found the "perfect" home. This could also give you time to clear up any credit issues you may have before you go house shopping. Pre-approval give you the upper hand in price negotiations because the seller knows you can close quickly and for the agreed upon amounts!

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NMLS# 403183