Capital Home Mortgage Idaho

Idaho Home Loans

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Idaho Mortgage Lender

Home Loans in Idaho

Welcome to Capital Home Mortgage Idaho, where we strive to provide Idaho Home Loans to Idaho homebuyers and homeowners at competitive rates and fees while giving great service.

First, we’d like to thank you for the opportunity to earn your mortgage business.  We understand that purchasing a home is one of the most important decision of most people’s life, which is why Capital house Mortgage Idaho offers dedicated points of contact throughout the mortgage process.  This assures a stress-free experience, with an on-time close.  After all, buying a home should be enjoyable. not stressful.

Capital Home Mortgage Idaho, as a direct Idaho mortgage lender, manages the entire lending process from beginning to end. Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings. We have complete control over everything from the application to the funding process.

Capital Home Mortgage Idaho is a full-service Idaho Mortgage Lender that offers a comprehensive range of mortgage products as well as competitive Idaho Mortgage Rates.  Whether you are a first-time purchaser seeking an Idaho FHA Home Loan, looking for a rural property and needing an Idaho USDA Home Loan, a Native Idahoan wanting to use the HUD 184  Idaho Native American Home Loan, an active or retired veteran in need of an Idaho VA Home Loan, or a seasoned buyer in need of an Idaho Conventional Home Loan, we can help!

Call today (208) 991-1303 to speak with our Idaho Loan Officers.

Idaho known as “The Gem State” became the 43rd state of the United States on July 3, 1890.  Recognized for its various geography, which includes mountains, forests, rivers, and high desert areas.  Idaho is home to the Rocky Mountains and features the Snake River.

Idaho’s economy is diverse and includes agriculture, manufacturing, technology, and tourism.  The state is a significant producer of potatoes, trout, and other agricultural products.  Boise, the capital, is a hub for technology companies.

Idaho has several universities and colleges, including Boise State University and the University of Idaho.

Idaho is home to a variety of wildlife, including elk, deer, bears, wolves, and numerous bird species. The state’s natural beauty and outdoor recreational opportunities attract nature lovers and sportsmen.

Idaho real estate has experienced a notable increase in home prices, especially in areas like Boise.  This is due to limited housing inventory, population growth, and increased demand.

Idaho has seen a steady increase in population, driven by factors such as job opportunities, a relatively low cost of living compared to some other states, and the state’s natural attractions. This population growth continues to put pressure on the housing market.

The real estate market in Idaho, particularly in popular cities like Boise, faced challenges related to limited housing inventory. This scarcity of available homes has contributed to higher prices and increased competition among buyers.

Idaho’s strong and diverse economy has attracted businesses and individuals to the state. Cities like Boise have seen job growth in various sectors, adding to the demand for housing.

New construction projects have aimed to meet the demand for housing, but the pace of construction may not have kept up with the rapid population growth.

Thank you again for allowing us to help you with your Idaho Home Loan.

Idaho Home Loans

Idaho Conventional Home Loans

An Idaho Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Idaho FHA Home Loans

An Idaho FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for an Idaho FHA home loan is consistent employment history and documented income.

Idaho VA Home Loans

An Idaho VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Idaho.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Alaska USDA Home Loans

An Idaho USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Idaho Jumbo Home Loans

An Idaho Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Idaho Non QM Home Loans

An Idaho Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Idaho Native american Home Loans

An Idaho Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Idaho Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase

Idaho One Time Close construction Home Loans

One Time Close Construction Mortgage Company
An Idaho One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Idaho HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Idaho Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Idaho Mortgage Programs

Idaho Home Purchase loans

Looking to Purchase an Idaho Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Idaho Renovation Home Loans

Looking to Rehab an Idaho Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Idaho FHA Home loans

Great 1st Time Idaho Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Idaho va Home Loans

100% Financing for Idaho Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Idaho Conventional Home loans

Flexibility for Idaho Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Idaho Jumbo Home Loans

Idaho Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Idaho USDA Home loans

100% Idaho Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Idaho Native american Home Loans

Idaho Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Idaho Manufactured Home loans

Great Alternative Idaho Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Idaho Reverse Mortgage Loans

Your Idaho Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Idaho Non QM Home loans

Making Idaho Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Idaho One Time Close Home Loans

Build Your Idaho Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Idaho Refinance Mortgage loans

Idaho Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Idaho Cashout Mortgage Loans

Idaho Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Idaho Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Director Native American Lending
Director Manufactured Housing

idaho Mortgage Company Reviews

Idaho Cities

Boise Home Loans

Meridian Home Loans

Nampa Home Loans

Caldwell Home Loans

Idaho Falls Home Loans

Pocatello Home Loans

Coeur d'Alene Home Loans

Twin Falls Home Loans

Post Falls Home Loans

State Specific Mortgage Information
AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

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