Wallace, ID Mortgage Rates and Refinance Rates

Mortgages in Wallace, ID: Find the best Wallace, ID mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Wallace, 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 Wallace, ID. Another option is searching for Wallace, 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 Wallace, ID mortgage rates or refinance rates.

Search and Compare Wallace, ID Mortgage Rates & Refinance Rates

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
in 83701, All points, 740    Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.061%
2.875%
USD
Rocket Mortgage Logo
NMLS # 3030
07/14/2020
at 2.000 pts
45 day lock rate
Est payment: $1,245
Fees in APR: $7,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif
300000
Purchase
2.702%
2.500%
USD
Figure Lending LLC Logo
NMLS # 1717824
07/14/2020
at 2.000 pts
30 day lock rate
Est payment: $1,186
Fees in APR: $8,550
Put your money where you need it sooner.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.362%
3.250%
USD
Rocket Mortgage Logo
NMLS # 3030
07/14/2020
at 1.000 pts
45 day lock rate
Est payment: $1,306
Fees in APR: $4,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif
300000
Purchase
2.753%
2.625%
USD
Figure Lending LLC Logo
NMLS # 1717824
07/14/2020
at 1.000 pts
30 day lock rate
Est payment: $1,205
Fees in APR: $5,550
Put your money where you need it sooner.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif
300000
Purchase
2.803%
2.750%
USD
Figure Lending LLC Logo
NMLS # 1717824
07/14/2020
at 0.000 pts
30 day lock rate
Est payment: $1,225
Fees in APR: $2,550
Put your money where you need it sooner.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.784%
3.750%
USD
Rocket Mortgage Logo
NMLS # 3030
07/14/2020
at 0.000 pts
45 day lock rate
Est payment: $1,390
Fees in APR: $1,250
From the lender: We can close your loan in less than a month!
 

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.





Wallace, Idaho Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Wallace, ID are the most popular type of mortgages rates you can find advertised for home buyers in Wallace, 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. Wallace, 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 Wallace, ID banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Wallace, ID conforming mortgage rates and refi rates lower than Wallace, ID jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Wallace, ID home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Wallace, Idaho

Jumbo mortgage rates in Wallace, 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 Wallace, ID and adjustable mortgage rates in Wallace, ID. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Wallace, ID make.

Wallace, Idaho Fixed Mortgage Rates and Fixed Refinance Rates

Wallace, 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.

Wallace, Idaho Adjustable Mortgage Rates

Adjustable Wallace, 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 Wallace, 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 Wallace, ID. Most adjustable mortgages in Wallace, ID have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



Google Map for Wallace, ID Rates & Resources


Wallace FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

AmericanWest Bank

22441 806 Bank St., Wallace, ID 83873

U.S. Bank National Association

6548 528 Cedar Street, Wallace, ID 83873

Wells Fargo Bank, National Association

3511 419 Sixth Street, Wallace, ID 83873