Remember to activate and start using your new CapEd Mastercard Debit card. All Visa debit cards are now closed. Learn more about new Mastercard Debit and Credit cards.
Remember to activate and start using your new CapEd Mastercard Debit card. All Visa debit cards are now closed. Learn more about new Mastercard Debit and Credit cards.
Purchase a 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.
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 VA.gov 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
Rates current as of .
Conventional Fixed
| Mortgage Term | Interest Rate | APR | Points | Sample Payment |
|---|---|---|---|---|
| 30 Year | 7.125% | 7.367% | 0 | Sample Payments for Conventional Fixed 30 Year Mortgage |
| 15 Year | 6.625% | 6.965% | 0 | Sample Payments for Conventional Fixed 15 Year Mortgage |
| 10 Year | 6.750% | 7.231% | 0 | Sample Payments for Conventional Fixed 10 Year Mortgage |
Idaho Housing
| Mortgage Term | Interest Rate | APR | Points | Sample Payment |
|---|---|---|---|---|
| Contact Us for current rates. | ||||
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.
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.
Jeff Acree
NMLS Number 6591
Phone Number: (208) 855-4605
Email Jeff
Thunderbolt Branch
Apply with Jeff
Paul McMurdie
NMLS Number 1000571
Phone Number: (208) 898-7039
Email Paul
Parkcenter Branch
Apply with Paul
Carole Meyer
NMLS Number 91917
Phone Number: (208) 898-7052
Email Carole
South Nampa MCC
Apply with Carole
Joe Azevedo
NMLS Number 96874
Phone Number: (208) 855-4688
Email Joe
Eagle Branch
Apply with Joe
Isabel Bailey
NMLS Number 507120
Phone Number: (208) 884-0150 ext. 7024
Email Isabel
McMillan Branch
Apply with Isabel
Mike Troester
NMLS Number 1381739
Phone Number: (208) 855-4680
Email Mike
Linder MCC
Apply with Mike
Cal Gothberg
NMLS Number 148078
Phone Number: (208) 898-7026
Email Cal
South Meridian MCC
Apply with Cal
Steve Sengelmann
NMLS Number 91656
Phone Number: (208) 855-4603
Email Steve
Thunderbolt Branch
Apply with Steve
Ana Moroshan
NMLS Number 452269
Phone Number: (208) 898-7030
Email Ana
South Nampa MCC
Apply with Ana
Resources
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.
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.
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.
Disclosures
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.
