Compare Mortgage Lenders in Boise, ID
Looking for a mortgage lender in Boise? Review the directory below to compare your options.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Idaho before hiring.
Showing 13 mortgage lenders in Boise, ID
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage lenders in Boise, Idaho help homebuyers secure financing for residential properties. Idaho law requires lenders to hold a state license through the Idaho Department of Finance. Local lenders understand the Boise market and can guide you through conventional, FHA, and VA loan options.
What Does a Mortgage Lender in Boise Cost?
Typical costs for a mortgage lender in Boise include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance of 500 to 1,200 dollars. Closing costs in Idaho generally range from 2 to 5 percent of the home purchase price. These costs vary by lender and loan type. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What license do mortgage lenders need in Idaho?
Mortgage lenders in Idaho must be licensed by the Idaho Department of Finance under the Idaho Residential Mortgage Practices Act. This ensures they meet state requirements for education, background checks, and financial responsibility.
How long does a mortgage loan take to close in Boise?
A typical mortgage loan in Boise takes 30 to 45 days to close from application. Delays can occur if appraisal or title work takes longer. Idaho does not have a specific statutory closing timeline, but most lenders aim for 45 days.
Are there Idaho specific down payment assistance programs?
Yes, Idaho Housing and Finance Association offers down payment assistance for qualified buyers in Boise. Programs include the Idaho Home Loan program with up to 5 percent down payment help. Eligibility depends on income and credit score.