The Best Mortgage Lenders in Firth, ID
Compare verified mortgage lenders serving Firth, Idaho. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Firth
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender known for its exceptional customer service and deep community roots in eastern Idaho. With over 28 years of experience, they offer a wide range of loan products, including specialized options for first-time homebuyers and veterans. Their local branch in Idaho Falls serves Firth residents with personalized attention, competitive rates, and a streamlined process, backed by hundreds of positive reviews highlighting reliability and efficiency.
Loan Types:
New American Funding
New American Funding
New American Funding is a highly regarded mortgage lender with a strong presence in Idaho, offering innovative loan solutions and a commitment to diversity and inclusion. Founded in 2003, they have built a reputation for competitive rates, flexible terms, and outstanding customer support. Their Idaho Falls office actively serves the Firth area, with numerous reviews praising their responsive service and expertise in handling various loan types, including government-backed programs.
Loan Types:
Caliber Home Loans
Caliber Home Loans
Caliber Home Loans is a trusted national lender with a solid local footprint in eastern Idaho, providing reliable mortgage services to Firth and surrounding communities. Established in 2008, they excel in offering personalized loan options with competitive rates and a focus on customer satisfaction. Their Idaho Falls branch is known for its efficient processing and supportive staff, as reflected in over 100 reviews citing smooth transactions and helpful guidance for homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Firth, ID
What are the current mortgage rates like in Firth, Idaho?
Mortgage rates in Firth typically align with national averages but can vary based on local lender competition and property types. Given Firth's rural nature, some lenders may offer slightly different rates compared to larger Idaho cities. It's best to compare offers from both local credit unions like Idaho Central Credit Union and national lenders for the most competitive rates.
Are there any first-time homebuyer programs specifically available in Firth?
Yes, Firth homebuyers can access Idaho Housing and Finance Association's programs, including down payment assistance and favorable loan terms. These programs are particularly valuable in Firth's affordable market, where median home prices are below state averages. Local lenders familiar with these programs can help you navigate eligibility requirements and application processes.
How does Firth's rural location affect mortgage lending options?
Firth's designation as a rural community opens up USDA loan opportunities, which offer 100% financing with no down payment required. Some lenders may have specific appraisal requirements due to the mix of agricultural and residential properties. Working with lenders experienced in rural Idaho properties can streamline the process and address unique valuation considerations.
What should I know about property taxes when getting a mortgage in Firth?
Bingham County property taxes in Firth are generally lower than urban areas, currently around 0.7-0.9% of assessed value. Your mortgage lender will factor these taxes into your escrow calculations. It's important to understand that while taxes are relatively low, they can vary based on property location within the Firth area and any local improvement districts.
Are there any local considerations for manufactured home financing in Firth?
Yes, given Firth's housing mix, many lenders offer specialized financing for manufactured homes that meet HUD standards and are on permanent foundations. Local lenders familiar with Bingham County's requirements can help navigate the specific guidelines for these properties. Some Idaho-specific programs may also offer favorable terms for manufactured homes in rural communities like Firth.
Why Choose a Mortgage Lender in Firth?
Local Market Knowledge
Lenders who understand Firth's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Idaho.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Firth and get competitive rates on your home loan.