Sandpoint, ID Mortgage Rates and Refinance Rates

Mortgages in Sandpoint, ID: Find the best Sandpoint, ID mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Sandpoint, ID, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Sandpoint, ID. Another option is searching for Sandpoint, ID refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Sandpoint, ID mortgage rates or refinance rates.

Search and Compare Sandpoint, ID Mortgage Rates & Refinance Rates

Sandpoint, Idaho Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Sandpoint, ID are the most popular type of mortgages rates you can find advertised for home buyers in Sandpoint, ID. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Sandpoint, ID mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Sandpoint, ID banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Sandpoint, ID conforming mortgage rates and refi rates lower than Sandpoint, ID jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Sandpoint, ID home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Sandpoint, Idaho

Jumbo mortgage rates in Sandpoint, ID are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Sandpoint, ID and adjustable mortgage rates in Sandpoint, ID. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Sandpoint, ID make.

Sandpoint, Idaho Fixed Mortgage Rates and Fixed Refinance Rates

Sandpoint, ID fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Sandpoint, Idaho Adjustable Mortgage Rates

Adjustable Sandpoint, ID mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Sandpoint, ID are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Sandpoint, ID. Most adjustable mortgages in Sandpoint, ID have yearly caps and life time maximum caps on how high the interest rate can fluctuate.

Google Map for Sandpoint, ID Rates & Resources

Sandpoint FDIC Insured Banks

Bank Name

FDIC Cert Number


AmericanWest Bank

22441 605 5th Avenue, Sandpoint, ID 83864

Bank of America, National Association

3510 405 North Second Avenue, Sandpoint, ID 83864

Mountain West Bank

33844 1319 Highway 2, Sandpoint, ID 83864

Panhandle State Bank

23415 231 N. Third Ave, Sandpoint, ID 83864

Panhandle State Bank

23415 414 Church Street, Sandpoint, ID 83864

U.S. Bank National Association

6548 201 Main Street, Sandpoint, ID 83864

Washington Trust Bank

1281 515 Pine Street, Suite D, Sandpoint, ID 83864

Wells Fargo Bank, National Association

3511 320 North Fourth Avenue, Sandpoint, ID 83864