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A house being held by two hands

Purchase A Home

Purchasing a home is a big investment. Whether you are a first-time home buyer or buying a second home, our Mortgage Loan Officers are here to help you every step of the way. Let us help you find the best mortgage option for your financial situation.

Mortgage Options

Here are the various mortgage loan types available to assist with your home purchase.

Mortgage Type Details Best for you if...
Conventional Mortgage
  • Fixed interest rate
  • Term: 5 to 30 years
  • You don't plan on moving in the foreseeable future
  • You want the security of a fixed interest rate and payments that will only change if taxes and insurance change
Adjustable Rate Mortgage (ARM)
  • You want to keep payments lower during the early years of your loan
  • You plan to move or payoff your mortgage within 10 years
  • You expect your income to increase significantly in the coming years
FHA Mortgage
  • Ideal for first time home-buyers seeking a low-down payment
  • You have a limited established credit history
  • You have limited funds for down payment and closing costs
  • You are using gift funds or a down payment assistance program
  • You have a limited credit history
IHFA Mortgage
  • Tailored specifically for Idaho residents
  • Allows for a lower down payment
  • Down payment assistance programs available
  • You have limited funds for down payment and closing costs
  • Seeking assistance with down payment and closing costs
  • You have a limited credit history
VA Mortgage
  • Government backed loan for military members
  • Zero down payment for eligible veterans and active military
  • You are a member of the military
  • You have limited down payment
  • You are using gift funds or a down payment assistance program
  • You have a limited credit history

Rates

Rates accurate as of December 14, 2018.

Conventional Fixed

Mortgage Term Interest Rate APR Points Sample Payment
30 Year 4.690% 4.886% 0 Sample Payment
15 Year 3.990% 4.279% 0 Sample Payment
10 Year 3.850% 4.265% 0 Sample Payment

Idaho Housing

Mortgage Term Interest Rate APR Points Sample Payment
30 Year 4.875% 4.962% 0 Sample Payment

Lock and Locate

Lock & Locate

Take the mystery out of knowing what your mortgage rate will be while taking the time to find the home location that’s right for you. CapEd members are able to lock a mortgage loan at a current rate1 for up to 180 days on existing homes and 360 days if you're building a home. CapEd’s Lock & Locate program also allows a one-time “float down” option to be used within 60 days of closing or rate expiration, if rates drop. Let us help you find your perfect home!


Apply for a Mortgage

Apply for a mortgage online or visit a CapEd location.



Questions?

Get in touch with one of our Mortgage Loan Officers

Jeff Acree

NMLS Number 6591

  (208) 855-4605
  jeff@caped.com
  Thunderbolt Branch
Apply with Jeff


Paul McMurdie

NMLS Number 1000571

  (208) 898-7039
  paul.mcmurdie@caped.com
  Park Center Branch
Apply with Paul


Carole Meyer

NMLS Number 91917

  (208) 898-7052
  carole.meyer@caped.com
  South Nampa MCC
Apply with Carole


Joe Azevedo

NMLS Number 96874

  (208) 855-4688
  joe.azevedo@caped.com
  Eagle Branch
Apply with Joe


Katherine Huth

NMLS Number 21071

  (208) 855-4657
  katherine@caped.com
  McMillan Branch
Apply with Katherine


Isabel Bailey

NMLS Number 507120

  (208) 884-1050 ext. 7024
  isabel.bailey@caped.com
  Marketplace Branch
Apply with Isabel


Mike Troester

NMLS Number 1381729

  (208) 855-4680
  mike.troester@caped.com
  Linder MCC
Apply with Mike


Cal Gothberg

NMLS Number 148078

  (208) 898-7026
  cal.gothberg@caped.com
  South Meridian MCC
Apply with Cal


Steve Sengelmann

NMLS Number 91656

  (208) 884-0150 ext. 7054
  steve.sengelmann@caped.com
  Thunderbolt Branch
Apply with Steve

Disclosures

All loans subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.

1 A fee equal to 1% of the loan amount is required at the time of the rate lock and is credited towards closing costs at the time of closing.