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Lucile, ID

The Best Mortgage Lenders in Lucile, ID

Compare verified mortgage lenders serving Lucile, Idaho. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.6
Avg Rating
528+
Reviews
10
Loan Types

Available Loan Programs in Lucile

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
First-time Homebuyer
Construction-to-Permanent
HELOC

Featured Mortgage Lenders

1

Clearwater Credit Union

Clearwater Credit Union

★★★★☆
4.8/5

Clearwater Credit Union stands out as one of the highest-rated mortgage lenders serving the Lucile area through their regional presence in north central Idaho. With exceptional customer satisfaction ratings and deep community roots spanning over 65 years, they offer personalized service and competitive rates specifically tailored for rural Idaho communities. Their mortgage specialists have extensive experience with USDA rural development loans, which are particularly relevant for Lucile residents, and they're known for their hands-on approach throughout the entire lending process.

Experience:15 years
Reviews:89 customer reviews
701 Main Street, Lewiston, ID 83501

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstruction
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2

Idaho Central Credit Union

Idaho Central Credit Union

★★★★☆
4.7/5

As Idaho's largest credit union with a strong presence throughout the state, ICCU has built an outstanding reputation for mortgage lending in rural communities like Lucile. They offer highly competitive rates and have specialized programs for first-time homebuyers and rural property financing. Their mortgage team has particular expertise with the unique property types found in Idaho's wilderness areas and provides exceptional customer service with local decision-making authority. With branches throughout the region, they maintain convenient access for Lucile residents.

Experience:12 years
Reviews:127 customer reviews
2676 Pullman Road, Moscow, ID 83843

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinanceConstruction-to-Permanent
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3

Wells Fargo Home Mortgage

Wells Fargo Bank, N.A.

★★★★☆
4.3/5

Wells Fargo provides comprehensive mortgage services to the Lucile area through their established Lewiston branch, offering the resources of a national lender with local market expertise. Their experienced mortgage consultants have deep knowledge of Idaho's rural property markets and offer a wide range of loan products, including specialized programs for rural homes. While being a larger institution, they maintain strong local relationships and have consistently helped homeowners throughout Idaho's remote communities with competitive rates and extensive mortgage options.

Experience:25 years
Reviews:312 customer reviews
818 Main Street, Lewiston, ID 83501

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceHELOC
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Frequently Asked Questions

Common questions about mortgage lending in Lucile, ID

What are the current average mortgage rates for homes in Lucile, Idaho?

Mortgage rates in Lucile typically align with national averages but can be slightly higher due to the rural nature of Idaho County. As of recent data, 30-year fixed rates hover around 6.5-7%, but working with a local lender who understands the area's specific property types (like land-heavy parcels) can help secure competitive terms.

Are there any first-time homebuyer programs available specifically for Lucile residents?

Yes, Idaho Housing and Finance Association (IHFA) offers programs like the First Loan and Grant, which can provide down payment assistance. Given Lucile's small population and location, these programs are accessible statewide and can be particularly beneficial for buyers in rural areas seeking affordable entry into homeownership.

How does Lucile's rural location impact the mortgage approval process?

Lucile's rural setting may require additional steps, such as ensuring the property has adequate access to utilities and meets lender requirements for rural appraisals. Lenders might also consider the limited local comparable sales, which could affect loan-to-value calculations, so it's wise to work with an appraiser familiar with Idaho County.

What types of properties in Lucile are eligible for USDA rural housing loans?

Most properties in Lucile qualify for USDA loans due to its designation as a rural area. This includes single-family homes, condos, and manufactured homes that meet USDA property standards. These loans offer 100% financing, making them an excellent option for eligible buyers with moderate incomes.

How do seasonal weather conditions in Lucile affect the home buying and mortgage timeline?

Lucile's winters can bring snow and icy roads, potentially delaying home inspections, appraisals, or closing dates—especially for properties along the Salmon River. Planning for a longer timeline (e.g., purchasing in spring or summer) and choosing a flexible lender can help mitigate weather-related delays.

Nearby Cities

Explore mortgage lenders in cities near Lucile, ID

Why Choose a Mortgage Lender in Lucile?

Local Market Knowledge

Lenders who understand Lucile'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 Lucile and get competitive rates on your home loan.