The Best Mortgage Lenders in Harrison, ID
Compare verified mortgage lenders serving Harrison, Idaho. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harrison
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is highly rated for its exceptional customer service, competitive rates, and efficient loan processing. With a strong regional presence in the Pacific Northwest, they actively serve Harrison, ID, and surrounding areas. Their team is known for personalized service, transparency, and expertise in various loan programs, making them a top choice for homebuyers in North Idaho.
Loan Types:
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage has built a stellar reputation in the Coeur d'Alene area for reliability, local expertise, and outstanding customer satisfaction. They offer a wide range of loan options with competitive rates and are praised for their responsive communication and support throughout the mortgage process. Their long-standing presence and commitment to the community make them a trusted lender for Harrison residents.
Loan Types:
Caliber Home Loans
Caliber Home Loans, Inc.
Caliber Home Loans is a reputable national lender with a strong local presence in Spokane, serving the Harrison, ID area with dedication. They are known for their flexible loan solutions, competitive pricing, and high customer satisfaction ratings. Their team provides personalized guidance and efficient service, ensuring a smooth mortgage experience for homebuyers and refinancers in the region.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Harrison, ID
What are the current mortgage rates like in Harrison, ID compared to the state average?
Mortgage rates in Harrison are typically very competitive and often align with Idaho's state average. However, because Harrison is a smaller, rural community, some lenders may offer slightly different rates or terms. It's best to compare offers from both local credit unions and national lenders to ensure you get the best deal.
Are there any first-time homebuyer programs available specifically for Harrison residents?
Yes, the Idaho Housing and Finance Association (IHFA) offers several programs, like the First Loan and Second Loan programs, which are accessible to Harrison homebuyers. These can provide competitive interest rates, down payment assistance, and tax credits, which are particularly helpful in a market where affordable housing can be limited.
How does Harrison's location near Lake Coeur d'Alene affect mortgage lending and property types?
Harrison's lakeside location means many properties are considered vacation homes or second homes, which can have different lending requirements and higher down payment thresholds (often 10-20%) compared to primary residences. Lenders may also require additional appraisals or inspections due to the unique environmental factors near the water.
What should I know about property taxes and insurance when getting a mortgage in Harrison?
Property taxes in Harrison and Kootenai County are generally moderate, but insurance can be a significant factor. Due to the area's wildfire risk and proximity to the lake, you may need separate flood or fire insurance policies, which can impact your overall monthly mortgage payment and lender requirements.
Are USDA loans a viable option for homebuyers in Harrison, ID?
Absolutely. Harrison's rural designation makes it eligible for USDA loans, which offer 100% financing (no down payment) for qualified buyers. This is a popular option in the area, especially for those looking to purchase a primary residence without a large upfront cash investment.
Why Choose a Mortgage Lender in Harrison?
Local Market Knowledge
Lenders who understand Harrison'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 Harrison and get competitive rates on your home loan.