Benefits that Go Above and Beyond
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Local Underwriting & Servicing
We know our markets.
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Low Fees
Let’s save you money!
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First-Time Homebuyer
Little to no money-down options.
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Fast Approvals
Your time is precious.
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Extended Rate Lock
We offer 90-to 360-day options.
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Fast Closings
Most loans close within 30 days!
Are you buying, refinancing, or building?
Idaho Central offers a variety of home loans designed specifically to meet your needs.
Buying
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Fixed-Rate Home Loans
Best if:
You want a stable monthly payment for the long term.
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Biweekly Home Loans
Best if:
You want to refinance your home for a more flexible payment schedule.
Product Details -
Adjustable-Rate Mortgages
Best if:
You plan to move or pay off your loan in a short amount of time.
Product Details -
First-Time Homebuyer Programs
Best if:
You are buying your first home.
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FHA Home Loans
Best if:
You are looking to purchase a home with flexible loan options.
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VA Home Loans
Best if:
You are a qualified military member and purchasing a home.
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Rural Housing Loans
Best if:
You are looking to purchase a home in a rural community.
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Jumbo Mortgage Loans
Best if:
You are purchasing or refinancing a home with a larger price tag.
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Condo Mortgage Loans
Best if:
You are purchasing or refinancing a condominium.
Product Details
Refinancing
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Freedom Mortgage
Best if:
You are looking to refinance your home into a shorter term with no fees.
Product Details -
Fixed-Rate Home Loans
Best if:
You want a stable monthly payment for the long term.
Product Details -
Biweekly Home Loans
Best if:
You want to refinance your home for a more flexible payment schedule.
Product Details -
Adjustable-Rate Mortgages
Best if:
You plan to move or pay off your loan in a short amount of time.
Product Details -
Jumbo Mortgage Loans
Best if:
You are purchasing or refinancing a home with a larger price tag.
Product Details
Mortgage Calculator
How much will your monthly mortgage payment be? Use this calculator to figure out your monthly payment, including your mortgage’s principal and interest payments as well as insurance and taxes.
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.
Contact Us
Have questions? Our Mortgage & Construction Loan Officers are ready to help. Feel free to give us a call or email regarding any of your mortgage needs. We love questions!
My Credit
Ever wonder what your credit score is or how to improve it? Well, let’s introduce you to My Credit! With a simple click you can check your credit score each time you log into eBranch. And yes, it’s all free. Awesome credit score here you come!
