The Gift of Homeownership
Wow! What a gift a place to call home is. If you are receiving gifted funds from a parent or relative, an Idaho Central Gifted Funds Mortgage is just for you. Pledged funds earn interest in a 5-year Certificate of Deposit (CD) and can be used as a down payment. Get ready to enjoy your home!
15, 20, 30 years
As low as 10% of purchase price
Purchase, Primary Residence, Condominium
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
- 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.