Compare Today’s Mortgage Rates for Spencer, Idaho

Pureloan searches mortgage lenders and major banks in Spencer, Idaho 83446 finding the best mortgage rates. We also provide a list of the best mortgage brokers in your area and an analysis of your future home loan payments. For a 30-year fixed loan, lifetime cash savings of $7,068 or $20 / month is expected in Spencer and other areas of Jefferson county.

Pureloan’s search engine explores all home mortgage options in Spencer, Idaho 83446, including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Mortgage Terms in Spencer, Idaho 83446

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive Mortgage Rate Projections for Spencer, ID

Source: Fannie Mae and Freddie Mac


To forecast and predict mortgage rates in Spencer, ID 83446, Pureloan has created an interactive chart to track the 5 largest nationwide lenders. Historical rates are based on closed mortgage financings, and projections are based on proprietary modeling.

Local Mortgage Rates for Spencer, ID

Historical Mortgage Rates for Spencer, Idaho 83446 from 2013 - 2020

We have compiled mortgage rate charts for home loans in Spencer, Idaho and around Jefferson county to help you understand trends for your home purchase process. This data is produced from actual closed loans.

2013 2014 2015 2016 2017 2018 2019 2020
% 30 year fixed mortgage 88.75% 84.50% 83.20% 83.97% 87.15% 87.50% 86.55% 85.58%
avg mortgage rate 4.83% 4.61% 3.82% 3.90% 4.35% 3.99% 3.79% 4.08%
% 15 year fixed mortgage 9.58% 13.50% 14.00% 14.42% 9.82% 9.04% 10.92% 12.98%
avg mortgage rate 4.37% 3.84% 3.25% 3.03% 3.39% 3.31% 2.97% 3.15%
Avg credit score 765.17 766.42 760.59 763.55 760.80 756.72 752.21 750.14
Avg LTV (loan to value) 76.43% 79.97% 79.40% 80.06% 82.31% 81.18% 83.04% 80.87%
Avg DTI (debt to income) 30.15 30.81 30.66 31.13 31.63 32.08 33.11 32.95
% First time homebuyer 25.00% 24.00% 20.00% 16.35% 28.72% 26.73% 24.16% 17.79%
Avg mortgage insurance % 5.52% 7.30% 8.25% 9.26% 10.35% 10.94% 12.87% 11.60%

Data produced from the Financial Report of the US Government

Best Mortgage Brokers Around Spencer, Idaho 83446

If you’re looking to buy a new home in Spencer, we have compiled a list of the leading mortgage brokers around Spencer, Idaho 83446 to help you with your search.

Name
Address
Contact

Wells Fargo Financial

1840 E 17th St

Idaho Falls ID 83446

(208) 523-3491

Fleenor Joni-Iberia Bank

1275 E 17th St

Idaho Falls ID 83446

(208) 525-5778

Ezmoney

167 Houston Cir

Idaho Falls ID 83446

(208) 522-5544

usfsmarketing@ezcorp.com

Chastain Financial

455 W 17th St

Idaho Falls ID 83446

(208) 542-5155

http://www.chastainfinancialidaho.com/

Wells Fargo Home Mortgage

320 A St

Idaho Falls ID 83446

(208) 533-6044

http://www.wellsfargo.com/mortgage/

Address

1840 E 17th St

Idaho Falls ID

Contact

(208) 523-3491

Address

1275 E 17th St

Idaho Falls ID

Contact

(208) 525-5778

Address

167 Houston Cir

Idaho Falls ID

Contact

(208) 522-5544

usfsmarketing@ezcorp.com

News on Mortgages and Reverse Mortgages for Spencer, Idaho 83446