Mortgages & Home Loans
Idaho Central offers a variety of home loans designed specifically to meet your needs. Whether you're just starting out and need your first home, are looking to upgrade, or are ready to build your dream home, Idaho Central has the loan for you. We offer quick, local decisions.
Benefits that Go Above and Beyond
Local Underwriting & Servicing
We know our markets.
Low Fees
Let’s save you money!
First-Time Homebuyer
Little to no money-down options.
Fast Approvals
Your time is precious.
Extended Rate Lock
We offer 90-to 360-day options.
Fast Closings
Most loans close within 30 days!
Are you buying, refinancing, or building?
Idaho Central offers a variety of home loans designed specifically to meet your needs.
Buying
Fixed-Rate Home Loans
Best if: You want a stable monthly payment for the long term.
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Biweekly Home Loans
Best if: You want to refinance your home for a more flexible payment schedule.
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Adjustable-Rate Mortgages
Best if: You plan to move or pay off your loan in a short amount of time.
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First-Time Homebuyer Programs
Best if: You are buying your first home.
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FHA Home Loans
Best if: You are looking to purchase a home with flexible loan options.
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VA Home Loans
Best if: You are a qualified military member and purchasing a home.
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Rural Housing Loans
Best if: You are looking to purchase a home in a rural community.
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Jumbo Mortgage Loans
Best if: You are purchasing or refinancing a home with a larger price tag.
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Condo Mortgage Loans
Best if: You are purchasing or refinancing a condominium.
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Refinancing
Freedom Mortgage
Best if: You are looking to refinance your home into a shorter term with no fees.
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Fixed-Rate Home Loans
Best if: You want a stable monthly payment for the long term.
Product Details
Biweekly Home Loans
Best if: You want to refinance your home for a more flexible payment schedule.
Product Details
Adjustable-Rate Mortgages
Best if: You plan to move or pay off your loan in a short amount of time.
Product Details
Jumbo Mortgage Loans
Best if: You are purchasing or refinancing a home with a larger price tag.
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Construction
Construction Loans
Best if: You are looking to build your dream home.
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Land & Lot Loans
Best if: You plan to build and need a loan for the land.
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Mortgage Calculator
How much will your monthly mortgage payment be? Use this calculator to figure out your monthly payment, including your mortgage’s principal and interest payments as well as insurance and taxes.
