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.

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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

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Fixed-Rate Home Loans

Best if: You want a stable monthly payment for the long term. Product Details

Family sitting on their front porch

Biweekly Home Loans

Best if: You want to refinance your home for a more flexible payment schedule. Product Details

Mother letting toddler play on piano

Adjustable-Rate Mortgages

Best if: You plan to move or pay off your loan in a short amount of time. Product Details

Couple holding a house key

First-Time Homebuyer Programs

Best if: You are buying your first home. Product Details

Modern starter home

FHA Home Loans

Best if: You are looking to purchase a home with flexible loan options. Product Details

House with an American Flag hanging outside

VA Home Loans

Best if: You are a qualified military member and purchasing a home. Product Details

Mom and kids painting a picture while sitting on their lawn

Rural Housing Loans

Best if: You are looking to purchase a home in a rural community. Product Details

beautiful house in summer

Jumbo Mortgage Loans

Best if: You are purchasing or refinancing a home with a larger price tag. Product Details

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Condo Mortgage Loans

Best if: You are purchasing or refinancing a condominium. Product Details

Refinancing

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Freedom Mortgage

Best if: You are looking to refinance your home into a shorter term with no fees. Product Details

A family baking dinner together

Fixed-Rate Home Loans

Best if: You want a stable monthly payment for the long term. Product Details

Family sitting on their front porch

Biweekly Home Loans

Best if: You want to refinance your home for a more flexible payment schedule. Product Details

Mother letting toddler play on piano

Adjustable-Rate Mortgages

Best if: You plan to move or pay off your loan in a short amount of time. Product Details

beautiful house in summer

Jumbo Mortgage Loans

Best if: You are purchasing or refinancing a home with a larger price tag. Product Details

Construction

Wood frame of a house being built

Construction Loans

Best if: You are looking to build your dream home. Product Details

Open field at dusk

Land & Lot Loans

Best if: You plan to build and need a loan for the land. Product Details

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.