Mortgage Loan Rates

Today's Market Rates


With a variety of loan programs and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We offer conforming, non-conforming and government loan programs.

Due to extremely high loan application demand, the expected time frame for completing refinance
transactions is 90 days or more.
Conventional rates shown below are for refinances transactions. Please contact your Loan Officer for purchase
transaction rate quotes.

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Rates and APRs below as of 07/08/2020 at 8:13 a.m.

Scroll to the left to view the rest of the table.

Product Rate Points APR
Conventional 30 Year 5/1 ARM1 2.375% 1.000% 3.786%
Construction-to-Permanent 30 Year Fixed 3.250% 1.000% 3.392%
Home Equity Line of Credit (HELOC)2 3.990% N/A 3.990%
Home Equity Loan3 2.375% N/A 2.381%

For products not listed above, including government insured, contact one of our loan professionals.

All credit products are subject to approval and subject to change without notice. Rates, terms, and amounts based on qualification. APR = Annual Percentage Rate. Advertised APRs assume loan-to-value of 75% or less, credit score of 800, and a loan amount of $250,000. Closing costs, property insurance, and other charges may apply. Mortgage insurance may be required for loan amounts greater than 80% loan-to-value. Monthly payment shown is principal and interest, except Home Equity Line of Credit (HELOC), which is interest-only.

1 The interest rate on Adjustable Rate Mortgage (ARM) is fixed for five years and adjusts every one year thereafter. The payment shown is for the fixed period only.
2 HELOC stated APR Annual Percentage Rate (APR) subject to criteria, including automatic payment from a First Federal checking account. HELOC initial payment is interest-only. Line of credit is accessible for ten years followed by a ten-year repayment period. Variable interest rate may increase after consummation. Property insurance may apply. Maximum APR of 18.00%. You may also be required to pay certain fees to third parties (such as appraisers, credit reporting firms, and government agencies) to open a line. These fees generally total between $0.00 and $1,200.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties. In Idaho, the title insurance premium (if applicable) and mortgage recording tax will be based on the maximum amount of the credit line available to you, regardless of how much is advanced to you at any time. If you engage a broker to arrange a line of credit for you, you may be charged fees by the broker for his/her services. Rate quoted is for liens in first position. Loans in second lien position will have higher rates.
3 Home Equity Loan payment is based on a ten-year term. Other terms available. Rate quoted is for liens in first position. Loans in second lien position will have higher rates.

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