Home-Buying Dream
If home ownership is your dream, then don’t let low-income or limited savings stand in your way. Qualified loans by Idaho Central are backed by the Federal Housing Administration which means your dreams of owning a home can become reality. Use our online Mortgage Portal or contact a knowledgeable Mortgage Loan Officer to get started.
Term Options
15 or 30 years
Down Payment
As low as 3.5% of purchase price.
Gifted down payment funds from family are eligible.
Eligible Properties
Purchase, Primary Residence
Purchase Your Home With Confidence
We want to help you through the loan process and get you resting comfortably in your home as soon as possible. Our highly trained, friendly staff understands the housing market where you want to live. After all, we live here too. We’re available to help during extended hours and on Saturdays.
Fast, Local Decisions
- Local underwriting
- Fast approvals
- Fast closing, usually within 30 days
- Local servicing on most loans
Save Money
- Low, affordable interest rates
- No initial loan application fees
- Low mortgage insurance premiums
- No origination fee loan options
- Extended rate lock options available from 90 to 360 days
Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates based on the information provided by you, the user.
Personalized Rate Quote
Tailored to your unique circumstances, our personalized mortgage rate quote tool asks you a few questions about your current financial situation. Based on your answers you will be given a list of rates that fit your needs. Get your personalized mortgage rate today.