Get a Lower rate in Idaho whether you’re looking to reduce your monthly payment, change your loan term or refinance into a different rate.

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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.990%	6.746%	2.000	$2,277
VA 30-Year Fixed	5.875%	6.227%	2.250	$2,096
Conventional 15-Year Fixed	5.875%	6.250%	2.000	$2,929
Conventional 30-Year Fixed	6.375%	6.618%	2.125	$2,183
Jumbo 30-Year Fixed	6.250%	6.468%	2.125	$5,849

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	6.125%	6.932%	2.250	$2,308
VA 30-Year Refinance	6.125%	6.401%	2.375	$2,137
Conventional 15-Year Refinance	5.875%	6.364%	2.500	$2,929
Conventional 30-Year Refinance	6.500%	6.803%	2.500	$2,212
Jumbo 30-Year Refinance	6.250%	6.500%	2.375	$5,849

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.746% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.227% APR and $2,096 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.250% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.618% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.468% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.932% APR and $2,308 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.401% APR and $2,137 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.364% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.803% APR and $2,212 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.500% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

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Refinance Rates Trend in Idaho

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Refinance Rates in Idaho

Idaho refinance rates reflect national lending conditions along with the details of your replacement mortgage. Your credit profile, loan-to-value, loan structure, property details and occupancy can affect the rate and terms available to you.

A refinance quote can differ from a purchase quote for the same borrower because the purpose and structure of the transaction are different. Compare the proposed new mortgage with the loan you already have, including its rate, term and costs.

The interest rate is the percentage charged for borrowing the principal. The annual percentage rate, or APR, is a broader annualized measure that includes the interest rate plus certain loan costs. APR can provide additional context when two refinance offers have different rates or upfront costs.

If you are buying rather than refinancing, compare Idaho mortgage rates.

Types of Refinances Available in Idaho

A rate-and-term refinance replaces your existing mortgage without taking cash out of the property. The replacement loan can change the rate, term or both.

A lower interest rate could reduce your monthly principal-and-interest payment, while changing the term can affect both the payment and how long you carry the mortgage. Compare those changes with the costs required to complete the refinance.

How long you expect to keep the new mortgage also affects the calculation. Use the refinance break-even calculator to compare the upfront costs with the expected monthly savings.

FHA and VA Refinance Options in Idaho

If your current mortgage is FHA-backed, an FHA streamline refinance uses limited borrower credit documentation and underwriting to refinance an existing FHA-insured mortgage. An FHA simple refinance also replaces an existing FHA mortgage and requires an appraisal. HUD's FHA streamline refinance guidance covers the streamline requirements.

If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan, or IRRRL, may help lower your monthly mortgage payment or make payments more stable by moving from an adjustable-rate loan to a fixed-rate loan. The VA's IRRRL guidance covers eligibility and program requirements.

Conforming Loan Limits for an Idaho Refinance

Most of Idaho uses the national baseline conforming loan limit. Under FHFA's 2026 conforming loan limits, the one-unit limit is $832,750 in 43 of Idaho's 44 counties. Teton County is the exception, with a one-unit limit of $1,249,125.

That means a one-unit refinance above $832,750 exceeds the conforming loan limit in most of Idaho, including Ada County and Kootenai County. Teton County allows a substantially higher loan balance before exceeding its 2026 one-unit limit. A mortgage below the applicable limit still has to meet conventional mortgage requirements to qualify as conforming.

Why Teton County Has a Higher Conforming Loan Limit

FHFA allows higher conforming loan limits in qualifying high-cost housing markets. For 2026, the maximum one-unit limit in a high-cost area is $1,249,125, or 150% of the $832,750 national baseline. Teton County reaches that ceiling, making it the only Idaho county with a one-unit conforming limit above the national baseline.

Idaho Refinance FAQs

When Does Refinancing Make Sense in Idaho?

Compare your existing mortgage with the proposed replacement loan, including the interest rate, monthly payment, new loan term and closing costs. The length of time you expect to keep the new mortgage affects whether any monthly savings have enough time to offset the upfront costs.

Is a $1 Million Refinance a Jumbo Loan in Idaho?

It depends on the county. A $1 million one-unit refinance exceeds the $832,750 conforming loan limit that applies in 43 Idaho counties. In Teton County, $1 million remains below the 2026 one-unit limit of $1,249,125. A loan below the applicable limit must still meet conventional mortgage requirements to qualify as conforming.

Can I Refinance a VA Loan in Idaho?

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About

All Loan Officers in Idaho

5.0

Fred was outstanding to work with for me and my husband! As being first time homebuyers, Fred took the time with us to explain everything and make sure we were well taken care of he was OUTSTANDING! We are very grateful for all his hard work with us!

Ashlyn K.

Verified Customer

August 28, 2026

5.0

From day one, Mike had our backs with the home loan process. Easy going, respectful, responsive and extremely knowledgeable .. the list goes on and on. We came out of our new home purchase knowing that we were appreciated and very well taken care of with the financial aspect! Cheers to Mike!

Ronald B.

Verified Customer

August 7, 2026

5.0

The attention to detail.

Andrew J.

Verified Customer

July 29, 2026

5.0

Michale was a true pleasure to work with always answered his phone always had the answers to my questions and if he didn't, he was always able to find out the answer and get right back to me. Truly a pleasure to work with very transparent.

Hope G.

Verified Customer

September 15, 2026

5.0

Fred was super quick to answer any questions we had and was very good at keeping us updated throughout the process.

William C.

Verified Customer

September 17, 2026

5.0

Fred was an absolute 10/10 throughout our entire home-buying experience. My wife and I were first-time home buyers, and he made what could have been a confusing and stressful process feel simple and easy to understand. He always explained things in layman’s terms, gave us valuable insight that genuinely benefited us, and made sure we understood every step along the way. What stood out most was that we truly felt like Fred was in our corner throughout the entire process. He… was knowledgeable, helpful, and always made us feel comfortable asking questions. We couldn’t have asked for a better loan officer for our first home purchase. We highly recommend Fred to anyone looking to buy a home!

Bradley K.

Verified Customer

August 31, 2026

Ashlyn K. rated Fred Holsman 5.0 stars: Fred was outstanding to work with for me and my husband! As being first time homebuyers, Fred took the time with us to explain everything and make sure we were well taken care of he was OUTSTANDING! We are very grateful for all his hard work with us! Ronald B. rated Michael Hull 5.0 stars: From day one, Mike had our backs with the home loan process. Easy going, respectful, responsive and extremely knowledgeable .. the list goes on and on. We came out of our new home purchase knowing that we were appreciated and very well taken care of with the financial aspect! Cheers to Mike! Andrew J. rated Michael Hull 5.0 stars: The attention to detail. Hope G. rated Michael Hull 5.0 stars: Michale was a true pleasure to work with always answered his phone always had the answers to my questions and if he didn't, he was always able to find out the answer and get right back to me. Truly a pleasure to work with very transparent. William C. rated Fred Holsman 5.0 stars: Fred was super quick to answer any questions we had and was very good at keeping us updated throughout the process. Bradley K. rated Fred Holsman 5.0 stars: Fred was an absolute 10/10 throughout our entire home-buying experience. My wife and I were first-time home buyers, and he made what could have been a confusing and stressful process feel simple and easy to understand. He always explained things in layman’s terms, gave us valuable insight that genuinely benefited us, and made sure we understood every step along the way. What stood out most was that we truly felt like Fred was in our corner throughout the entire process. He was knowledgeable, helpful, and always made us feel comfortable asking questions. We couldn’t have asked for a better loan officer for our first home purchase. We highly recommend Fred to anyone looking to buy a home!

Idaho Mortgage Refinance Rates

Current Idaho Home Refinance Rates

Get your personalized rate

Refinance Rates Trend in Idaho

What Affects Mortgage Refinance Rates in Idaho

Types of Refinances Available in Idaho

FHA and VA Refinance Options in Idaho

Conforming Loan Limits for an Idaho Refinance

Why Teton County Has a Higher Conforming Loan Limit

Idaho Refinance FAQs

When Does Refinancing Make Sense in Idaho?

Is a $1 Million Refinance a Jumbo Loan in Idaho?

Can I Refinance a VA Loan in Idaho?

Loan Officers in Idaho

Abigayle Hull

Rich Holsman

Debbie Holsman

Michael Hull

Fred Holsman

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