Home Mortgage Loan Ratesin Idaho

Planning on purchasing a new home? If you are a veteran, active duty personnel, or a reservist, VA Loans allow you to buy a home without having to make a down payment and no monthly mortgage insurance premium to pay. 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: 08/23/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.823% APR 5.624% Rate 30 day rate lock $1,842 Payment per month
0.944 Points$3,021 Points Fee
$7,021 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.951% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.946 Points$3,027 Points Fee
$7,027 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.984% APR 5.750% Rate 45 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$8,195 Total Fees$4,995 Lender Fees
 30 Years FixedVA Loan
5.990% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.000 Points$0 Points Fee
$4,389 Total Fees$4,389 Lender Fees
 30 Years FixedVA Loan
6.335% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.779 Points$2,493 Points Fee
$7,193 Total Fees$4,700 Lender Fees
 30 Years FixedVA Loan
$0 down payment for Veterans homebuying with a VA Loan
As low as 0% down options & down payment assistance
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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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