Home Mortgage Loan Ratesin Idaho

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Idaho and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 12/07/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.850% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.875 Points$2,800 Points Fee
$12,495 Total Fees$9,695 Lender Fees
 30 Years Fixed
5.919% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.478 Points$1,530 Points Fee
$1,530 Total Fees$0 Lender Fees
 30 Years Fixed
6.124% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.000 Points$0 Points Fee
$389 Total Fees$389 Lender Fees
 30 Years Fixed
6.224% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.840 Points$2,688 Points Fee
$3,388 Total Fees$700 Lender Fees
 30 Years Fixed
6.330% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.950 Points$3,040 Points Fee
$3,040 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
5.841% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.993 Points$3,178 Points Fee
$3,178 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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