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Find the Best Mortgage Lenders in Boise, ID

Boise is one of the fastest growing cities in the country. Besides being known for mountainous scenery, the city is also one of the most affordable housing markets in the Northwest and West Coast. For people looking to take advantage of the current market, finding a good mortgage lender is the first step. We researched the best mortgage lenders in Boise based on real customer reviews and company reputations.

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Compare Top Mortgage Lenders

Overall satisfaction rating
  • A Fannie Mae lender
  • Close in less than 25 days
  • Available in Boise
  • Low down payment options available

Close in as few as 25 days!

(866) 815-0655 Read More
HomeDirect
Overall satisfaction rating
  • A VA lender
  • Get prequalified online
  • Online mortgage calculator
  • Available in Boise

This direct lender is a division of Bank of Oklahoma Financial. It uses the latest technology like an online automated application system to help clients get the money and information they need as efficiently as possible.

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Summit Mortgage
  • Refinance your home
  • Request a rate quote online
  • Fixed rate plans
  • $10,000 underwriting guarantee
Location
4700 North Cloverdale Rd., Ste. 102
Boise, ID 83713
(208) 939-0002
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First Mortgage Company
  • Offers four loan programs
  • View current interest rates
  • Start your application online
  • Call for a consultation
Location
7670 W. Emerald St.
Boise, ID 46250
(208) 376-5670
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Capital Mortgage Boise
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • capitalmortgageboise.com
Location
1857 S. Millennium Way, Ste.100
Meridian, ID 83642
(208) 854-7800
OneTrust Home Loans: Dean and Shanna Tucker
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • homemortgageboise.com
Location
2535 W. State St.
Boise, ID 83702
(208) 388-0500
First Choice Mortgage Company
  • M-F: 8am - 6pm
  • Sat: 10am - 5pm
  • Closed Sun
  • 375loan.com
Location
3023 E. Copper Point Dr., Ste. 101
Meridian, ID 83642
(877) 877-0404
Evergreen Home Loans
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • evergreenhomeloans.com/offices/boise
Location
3515 E. Overland Rd.
Meridian, ID 83642
(888) 821-9234
Idaho Central Credit Union
  • M-F: 9am - 6pm
  • Sat: 9am - 3pm
  • Closed Sun
  • iccu.com
Location
200 N. 4th St.
Boise, ID 83702
(208) 846-7000

Mortgage loan options in Boise

Boise skyline

Besides conventional loans, the most popular mortgage loans in Boise are USDA, FHA and VA loans. Depending on your situation, certain mortgage loans may be more beneficial than others.

  • USDA loan: If you meet the income requirements and are looking to buy a home in a rural or suburban area such as Kuna or Caldwell, a USDA mortgage loan may let you purchase a house with no down payment.
  • FHA loan: FHA loans are government-subsidized loans that have low down payments. You can use the loan to purchase a home or for home improvement purposes. Those with lower credit scores have a better chance of being approved.
  • VA loan: Boise is home to many retired veterans who might qualify for this loan. The loan does not require closing costs or a down payment but is restricted to retired military personnel.

If you’re serious about buying a home, you’ll also need to know your credit score. Different banks may require certain minimum credit ratings for specific loans. Knowing the neighborhoods you might like to purchase a home is also useful because of the effect it could have on your mortgage.

Boise neighborhoods

Choosing a specific neighborhood will impact the amount you need to borrow and the type of loan for which you may be eligible. Here are two examples of how choosing to purchase homes in different neighborhoods can affect your mortgage process:

  • The North End: The North End is home to many of Boise’s historic homes and attractive to homebuyers because of its proximity to schools and Downtown Boise. The houses and landscaping potential differ with each property. The North End is one of the more expensive areas in Boise, and some homes reach roughly $1 million in value. According to the Consumer Financial Protection Bureau, mortgages for homes of that value require a jumbo loan, which is a mortgage that exceeds the amount government-sponsored businesses are willing to purchase from lenders.
  • The Bench: The Bench is an up-and-coming neighborhood in Boise. The area is five minutes from Downtown and is growing a small lifestyle community of its own. It’s one of the best areas in Boise to buy a home right now because of the high appreciation rate of homes. Buyers looking to purchase a home here will likely want to find a lender that can provide an FHA loan or a conventional mortgage.

Mortgage Companies Reviews

Accredited Partner

AmeriSave

AmeriSave specializes in conventional, FHA, VA and USDA loans and has a wide variety of financing options. Customers in Boise praise the company’s quick turnaround times, simple application process and transparency.

AmeriSave (866) 815-0655

HomeDirect

HomeDirect aims for a stress-free application process and balances the use of cutting-edge technology and personal communication for the best possible mortgage lending experience. Boise residents praise how the company’s direct lenders work with customers every step of the way.

HomeDirect

Summit Mortgage

Boise residents who work with Summit Mortgage can be assured their mortgage loan is being handled by highly experienced loan professionals who are employees of the company instead of brokers. Summit Mortgage is praised by Boise customers for its employees’ quick and concise directions to ensure loans go through smoothly.

Summit Mortgage

First Mortgage Company

First Mortgage Company has been serving Boise homebuyers for more than 30 years. The company offers an online application for quick preapproval processing. Reviews in Boise show that people appreciate the company’s broad refinancing options, low interest rates and in-depth consultations.

First Mortgage Company