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Purchase a Home

A set of hands with one hand giving house keys to the other as well as a happy couple celebrating moving into a new home.

Purchasing a home is a big investment. Whether you are a first-time home buyer, buying your next home, or an investment property - our Mortgage Loan Officers are here to help you every step of the way. Let us help you find the best mortgage option for your financial situation.

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Mortgage Options

There are various mortgage loan types available to assist with your home purchase.

Conventional Mortgage

Fixed interest rates with terms from 5 to 30 years.

Best if:

  • You don't plan on moving in the foreseeable future.
  • You want the security of a fixed interest rate and payments that will only change if taxes and insurance change.

Adjustable Rate Mortgage (ARM)

Available as 3/1, 5/1, 7/1, and 5/5 adjustable rate mortgages1.

Best if:

  • You want to keep payments lower during the early years of your loan.
  • You plan to move or pay off your mortgage within 10 years.
  • You expect your income to increase significantly in the coming years.

FHA Mortgage

Ideal for first time homebuyers seeking a lower down payment.

Best if:

  • You have limited established credit history.
  • You have limited funds for down payment and closing costs.
  • You are using gift funds or a down payment assistance program.

Idaho Housing and Finance Association (IHFA) Mortgage

IHFA Mortgages are tailored specifically for Idaho residents & allows for a lower down payment. Down payment assistance programs are also available.

Best if:

  • You have limited funds for down payment and closing costs.
  • Seeking assistance with down payment and closing costs.
  • You have a limited credit history.

VA Mortgage

0% down and government-backed available to eligible Veterans and Servicemembers. Visit to learn more.

Best if:

  • You are an active Servicemember or Veteran.
  • You have limited funds for down payment and closing costs.
  • Seeking assistance with down payment and closing costs.
  • You have a limited credit history.


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

Idaho Housing

Idaho Housing Mortgage Rates.
Mortgage TermInterest RateAPRPointsSample Payment
Contact Us for current rates.
Lock and Locate™

Lock & Locate

Take the mystery out of knowing what your mortgage rate will be while taking the time to find your new home. Lock in today's rate, then start shopping for your perfect home.

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Apply for a Mortgage

Ready to apply for a mortgage? Apply online or visit us in person to start your application today.

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.

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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.


1APR may adjust when the fixed rate period is over.

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.