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Plans for a new home as well as the wooden support structure of a house being built.

Lock & Locate™

Whether you're buying an existing home looking to build a new home, CapEd has a great program to help give you time and get you started.

CapEd members can lock a mortgage loan at a current rate1 for up to 180 days on existing homes and 360 days for those building a home. CapEd's Lock & Locate program also allows a one-time "float down" option to be used within 60 days of closing or rate expiration, if rates drop. Let us help you finance your perfect home!


Rates current as of .

Conventional Fixed

Conventional Fixed Mortgage Rates.
Mortgage TermInterest RateAPRPointsSample Payment
30 Year6.750%6.985%0Sample Payments for Conventional Fixed 30 Year Mortgage
15 Year5.750%6.076%0Sample Payments for Conventional Fixed 15 Year Mortgage
10 Year5.750%6.213%0Sample Payments for Conventional Fixed 10 Year Mortgage

Apply to Lock Your Rate

Apply for a mortgage online or visit a CapEd location and ask about our Lock & Locate program to get started.

Mortgage Loan Officers

We have an experienced and reliable team to assist you every step of the way when buying your new home. If you're ready to apply for a mortgage, review the resources below and contact our Mortgage team to get started.

Skip MLO list
Jeff Acree

Jeff Acree

NMLS Number 6591
Phone Number: (208) 855-4605
Email Jeff
  Thunderbolt Branch
Apply with Jeff

Paul McMurdie

Paul McMurdie

NMLS Number 1000571
Phone Number: (208) 898-7039
Email Paul
  Parkcenter Branch
Apply with Paul

Carole Meyer

Carole Meyer

NMLS Number 91917
Phone Number: (208) 898-7052
Email Carole
  South Nampa MCC
Apply with Carole

Joe Azevedo

Joe Azevedo

NMLS Number 96874
Phone Number: (208) 855-4688
Email Joe
  Eagle Branch
Apply with Joe

Isabel Bailey

Isabel Bailey

NMLS Number 507120
Phone Number: (208) 884-0150 ext. 7024
Email Isabel
  McMillan Branch
Apply with Isabel

Mike Troester

Mike Troester

NMLS Number 1381739
Phone Number: (208) 855-4680
Email Mike
  Linder MCC
Apply with Mike

Cal Gothberg

Cal Gothberg

NMLS Number 148078
Phone Number: (208) 898-7026
Email Cal
  South Meridian MCC
Apply with Cal

Steve Sengelmann

Steve Sengelmann

NMLS Number 91656
Phone Number: (208) 855-4603
Email Steve
  Thunderbolt Branch
Apply with Steve

Ana Moroshan

Ana Moroshan

NMLS Number 452269
Phone Number: (208) 898-7030
Email Ana
  South Nampa MCC
Apply with Ana


Here are some helpful resources to help you when getting ready to buy your new home.

Purchase a Home Checklist Opens in new tab. Link is a PDF document.

Make sure you have everything you need to purchase your new home with this PDF.

Maximum Mortgage Calculator

This calculator collects important variables & determines your maximum monthly mortgage payment.

15 vs. 30 Year Mortgage Calculator

Finding the right mortgage term can be difficult. Compare 15-year vs. 30-year mortgages.

Mortgage Payoff Calculator

Estimate how much interest you can save by increasing your mortgage payments.

Mortgage Calculator with Private Mortgage Insurance (PMI)

Estimate your Private Mortgage Insurance (PMI) monthly payment, amortization schedule, interest, principal balances, and prepayments.


No, with CapEd's Lock & Locate Program, you can lock your interest rate for up to six months while you find the perfect home for you and your family. If you are building a home, you can lock your rate for up to twelve months!

That is a great question! CapEd offers a one-time "float down" to the current rate after locking in your rate, as long is it's within 60 days of closing.

If your loan is turned down, or the deal between a buyer and seller falls through due to an appraisal or inspections, CapEd will refund the deposit.

CapEd understands that it can take time to find the right place to settle down. If you can't find a home within six months after you lock in your rate, we'll return your deposit.

No catch, no tricks with CapEd's Lock & Locate Program. Apply with one of our Mortgage Loan Officers and deposit 1% of the loan amount to lock in your rate. At closing, the initial 1% of funds are credited back to you to use towards your down payment or closing costs.


All loans are subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.

1 A fee equal to 1% of the loan amount is required at the time of the rate lock and is credited towards closing costs at the time of closing.