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 5 mortgage lenders in Garden City, 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.
Half Price Title Loans by Ideal Lending
4213 W Chinden Blvd, Garden City, ID 83714
(208) 336-5626
boisetitleloan.com
Fairway Home Mortgage : Crystal Howard
9233 W State St Suite 1, Garden City, ID 83714
(208) 991-8869
crystalhowardmortgage.com
Home Loans of Idaho
3724 N Plantation River Dr #102, Garden City, ID 83703
(208) 297-7444
homeloansofidaho.com
What Does a Mortgage Lender in Garden City Cost?
Typical costs for a mortgage in Idaho 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 1,500 to 3,000 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. 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 documents do I need to apply for a mortgage in Garden City Idaho?
You typically need pay stubs, tax returns, bank statements, and a valid ID. Idaho lenders also require a signed purchase agreement and proof of homeowners insurance before closing.
How long does the mortgage process take in Idaho?
The process usually takes 30 to 45 days from application to closing. Idaho law allows a three day rescission period for refinances but not for purchase loans.
Are there Idaho specific mortgage programs for first time buyers?
Yes, the Idaho Housing and Finance Association offers down payment assistance and fixed rate loans for first time buyers. These programs have income limits and require a homebuyer education class.