Compare Today’s Mortgage Rates for Spirit Lake, Idaho

Pureloan searches major banks and mortgage lenders finding the best mortgage rates in Spirit Lake, Idaho 83869. Pureloan also provides a listing of the best mortgage brokers in your area and a detailed analysis of your future home loan payments. For a 30-year fixed loan, you may expect to have lifetime cash savings of $12,604 or $35 / month in Spirit Lake and other areas of Kootenai county.

Our search engine explores all home mortgage options in Spirit Lake, Idaho 83869, 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 Spirit Lake, Idaho 83869

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive Mortgage Rate Projections for Spirit Lake, ID

Source: Fannie Mae and Freddie Mac


To forecast and predict mortgage rates in Spirit Lake, ID 83869, 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 Spirit Lake, ID

Historical Mortgage Rates for Spirit Lake, Idaho 83869 from 2013 - 2020

We have compiled mortgage rate charts for home loans in Spirit Lake, Idaho and around Kootenai 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 91.54% 88.59% 89.17% 88.77% 90.89% 91.94% 92.43% 93.96%
avg mortgage rate 4.90% 4.63% 3.89% 3.97% 4.45% 4.11% 3.85% 4.13%
% 15 year fixed mortgage 7.35% 9.54% 9.57% 9.88% 7.59% 7.17% 7.22% 5.07%
avg mortgage rate 4.25% 4.01% 3.23% 3.05% 3.46% 3.33% 3.16% 3.40%
Avg credit score 762.28 767.09 764.96 760.42 758.40 759.95 755.23 756.88
Avg LTV (loan to value) 74.05% 76.41% 78.02% 78.66% 78.89% 79.12% 79.63% 78.36%
Avg DTI (debt to income) 31.86 31.91 31.64 32.09 33.37 33.13 33.81 35.04
% First time homebuyer 22.49% 18.67% 16.12% 22.16% 16.59% 20.04% 19.13% 14.49%
Avg mortgage insurance % 2.77% 5.30% 6.35% 8.77% 9.76% 9.98% 11.27% 9.85%

Data produced from the Financial Report of the US Government

Best Mortgage Brokers Around Spirit Lake, Idaho 83869

If you’re looking to buy a new home in Spirit Lake, we have compiled a list of the leading mortgage brokers around Spirit Lake, Idaho 83869 to help you with your search.

Name
Address
Contact

Weststar Loan Company

4313 W Highway 54

Spirit Lake ID 83869

Address

4313 W Highway 54

Spirit Lake ID

Contact

News on Mortgages and Reverse Mortgages for Spirit Lake, Idaho 83869