Home Mortgage Loans
Rates as of 5/22/2017
Conventional Home Loans
| Mortgage Terms | Interest Rate | APR* | Monthly principal and interest payment** |
|---|---|---|---|
| 30 Yr Fixed | 3.875% | 4.012% | $564.28 |
| 15 Yr Fixed | 3.250% | 3.489% | $843.20 |
| 5/1 Adjustable | 3.500% | 3.553% | $538.85 |
Minimum Down: 3.000%
*APR - Annual Percentage Rate
**Based off of a $120,000 loan amount, 20% down payment, and a credit score of at least 740, a rate lock period of 45 days and assumes a purchase of an owner-occupied 1 unit dwelling.
** Payments shown do not include amounts for taxes and insurance. Actual payment obligation will be greater. Other loan products available, please contact a Mortgage Loan Officer for more details.
Get Started by contacting our Loan Specialist.
Learn more about Mortgage Loan Options.
Government Home Loans
| Mortgage Terms | Interest Rate | APR* | Monthly principal and interest payment** |
|---|---|---|---|
| 30 Yr Fixed | 3.625% | 3.760% | $547.26 |
| 15 Yr Fixed | 3.375% | 3.615% | $850.51 |
| Minimum Down - 3.500% | |||
| Rural Development | 3.625% | 3.842% | $552.73 |
*APR - Annual Percentage Rate
**Based off of a $120,000 loan amount, 3.5% down payment, and a credit score of at least 740, a rate lock period of 45 days and assumes a purchase of an owner-occupied 1 unit dwelling.
** Payments shown do not include amounts for taxes and insurance. Actual payment obligation will be greater. Other loan products available, please contact a Mortgage Loan Officer for more details.
Looking for a Real Estate Loan that fits your needs?
- Residential Mortgages
- Interim Construction
- Purchase
- Refinance
How to begin:
- Contact your local branch office for an appointment or call our mortgage loan officer in Twin Falls 734-7264.
- Complete the application to the best of your ability and make an appointment with our mortgage officer at the number listed above.
- During the interview, you may be asked for additional material needed by the loan officer to aid in the decision process. Deliver that material to the bank as soon as possible.
- Learn How to Get Started by contacting our Loan Specialist
- Learn more about Mortgage Loan Options
Pertinent Factors
- The interest rate disclosed above is based off of a $120,000 loan amount and a credit score of at least 740, a rate lock period of 45 days and assumes a purchase of an owner-occupied 1 unit dwelling. Rate may be adjusted based on several factors including, but not limited to: loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
- Unless otherwise noted, the above are the lowest rates available as of the stated date with no "buy down" points. Lower rates generally are available for a "buy down" fee.
- The APR on the mortgage is dependent on the loan amount, loan term and fees associated with the loan.
- Your actual mortgage rate will be impacted by the loan amount, your credit score, your down payment, loan to value, cash out (if refinancing), and who will be occupying the residence. Expected mortgage rate and estimated APR will be disclosed after mortgage application is received.
- Rates change at least daily. Call our loan specialist for current rates.
- Mortgage insurance is required if loan to value (LTV) is more than 80%. Lender paid mortgage insurance is available.
- Zero Down Rural Development mortgages are available for most of the Magic Valley, including some areas in the City of Twin Falls.
NMLS# 403183