Securing a Mortgage for Your Idaho Home with Central Mortgage Funding

Idaho, with its breathtaking landscapes from majestic mountains to wild rivers, offers an idyllic setting for anyone looking to call it home. Whether you’re eyeing a property in Coeur d’Alene, Idaho Falls, or the bustling Treasure Valley, Central Mortgage Funding is here to facilitate your journey into homeownership.

If you’re contemplating buying a home in Idaho, initiate your mortgage application with us today, and you could soon hold a pre-approval letter as you visit potential homes!

Already residing in the Gem State and looking to increase your monthly savings? We also specialize in mortgage refinancing.

Idaho Mortgage Rates and Trends

The outbreak of COVID-19 led to a significant drop in national mortgage rates in 2020, offering millions the chance to capitalize on lower borrowing costs.

Idaho’s mortgage rates have echoed this downward trend, although a gradual increase is currently underway. Nonetheless, rates continue to be attractively low from a historical perspective. We encourage taking advantage of our free mortgage review, as you might be paying more than necessary. A lower interest rate could translate to considerable monthly savings.

A solid credit score and a manageable debt-to-income ratio are key to securing a favorable mortgage rate. Moreover, choosing a lender that strives to match you with the best loan program is crucial. Central Mortgage Funding provides a suite of customizable mortgage options in Idaho, including Conventional, USDA, FHA, VA, among others.

Down Payment Assistance Programs

Potential homeowners in Idaho might be eligible for down payment assistance. Our team is ready to guide you through the various options and grants* available if you’re aiming to purchase a home in Idaho.

Don’t hesitate to inquire about:

  • First-time home buyer incentives
  • Closing cost assistance
  • Dream Makers Grant
  • Forgivable and non-forgivable second mortgages
  • Tax credits

*Note: The actual assistance amount can vary based on the purchase location, credit score, and other financial criteria. Down payment assistance is managed at city and/or state levels and is not funded by Central Mortgage Funding. Completion of a homebuyer education course might be required.

Speak to our mortgage consultants about your funding options today!

Refinancing Your Mortgage

Are you burdened by high-interest debt? Is your monthly mortgage payment or interest rate higher than you’d prefer? Or perhaps you’re eager to pay off your mortgage sooner?

If you’re nodding in agreement to any of these questions, it’s time for a free mortgage consultation with our Idaho mortgage experts. You might discover potential savings of up to $1,000 a month! Central Mortgage Funding offers a range of loan terms tailored to your needs, starting from ten years.

Why Choose Central Mortgage Funding?

As a nationwide mortgage lender, Central Mortgage Funding is committed to making homeownership both accessible and affordable. We pride ourselves on competitive mortgage rates with no hidden fees. Our mortgage consultants diligently work to tailor the ideal loan program for your financial aspirations, and we’ve streamlined most of the lending process online for your convenience.

We view each home loan as more than just a transaction; to us, you’re part of the family. We take the time to understand your needs and are always on hand to address any mortgage-related queries, even post-closing. Whether you’re refinancing for a better rate or seeking cash out, we’re here to assist.

Building Your Home Loan Together

Contact a Central Mortgage Funding consultant in Idaho by calling (833) 302-1032. We’re committed to customizing any loan to fit your specific needs, ensuring top-notch service, the lowest rates, and swift closings. Discover the ease of the mortgage refinancing or home-buying process with us, and let’s embark on this lifelong relationship together.

Central Mortgage Funding is an Equal Housing Lender; License MBL-2081699966.

Ready to talk?

Are you unsure on the path you should take to home ownership? Our Loan Specialists are here to help you through the entire process. They will find you the best term, and rate to fit your budget!