Most Affordable Mortgages in Boise, ID.
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If are you searching for a mortgage lender in Boise, Idaho, please contact our local mortgage experts at Capital Mortgage, LLC. Here you will be treated like a person, not a number. We will help you understand and navigate this seemingly complicated process. Everyone needs someone they can count on to make this dream into reality. Pick up the phone and call Capital Mortgage today and you can feel comfortable knowing that you have some of the most experienced and capable home loan lenders working for you.
We’re aware of the complicated steps that go into obtaining a mortgage and we know they can be quite intimidating. Our experience and knowledge of the business will give you the calm you need to navigate this process successfully. Our services are readily available to the residents of Boise, and we take pride in our commitment to client satisfaction. When you choose to take advantage of our capable services, we’ll pledge to perform our duties with unrelenting diligence and professionalism.
Why Choose Us
We are mortgage brokers for a reason, to SERVE YOUR NEEDS! Banks are limited to their program guidelines and the additional restrictions that they place on borrowers. As a mortgage broker, we are not limited to one set of program guidelines. We have the flexibility to work with literally dozens of lenders with varying program guidelines and interest rates. If you have a challenging situation, we can finance you. If your loan is straight forward, due to our ability to shop multiple lenders, you will find our rates to be the lowest around.
As a mortgage broker, all of our fees are FULLY DISCLOSED and we give you a credit to cover some or all of your closing costs. So, if you are looking for FLEXIBILITY, the BEST RATE for your situation, with the LOWEST CLOSING COSTS, you have found the right place. Give us a call and find out how great it is to work with a mortgage broker.
Mortgage Loan Calc
Mortgage Loan CalculatorOriginal Size
Mortgage Calculator Help
You can calculate the mortgage loan amount from the price of the real estate by providing the down payment percentage.
If you know the mortgage amount you can afford and the cash down payment percentage required, you can calculate the affordable real estate price.
Or if you know the price of the real estate and the loan amout and enter "0" for the down payment percentage, the calculator will calculate the down payment amount and percentage.
Points, Annual Property Taxes, Annual Insurance and Private Mortgage Ins. (PMI) are all optional. If you enter values, the periodic portion of each will be calculated and shown on the schedule. Property taxes and insurance are combined under escrow.
If a borrower does not have cash to cover at least 20% of the purchase price, some lenders will require the borrower to purchase private mortgage insurance (PMI) to cover against a possible default. Premiums are typically 0.5% to 2.0% of the original loan amount. The borrower can drop the insurance coverage once the mortgage balance is less than 80% of the original purchase price. The calculator handles this automatically. (There may be other conditions as well under which the lender will no longer require PMI. One such case might be apprciation of the real estate.)
Points are charges that are normally due at closing. Borrowers (normally only in USA) may select to pay a lender "points" up front in exchange for a lower interest rate. Points are expressed in percent and are calculated on the amount borrowed. 3 points on a $200,000 mortgage equals $6,000. If the user enters points, this calculator includes their value in the summary and as part of the total payment at loan origination on the payment schedule.
The term (duration) of the loan is expressed as a number of months.
- 60 months = 5 years
- 120 months = 10 years
- 180 months = 15 years
- 240 months = 20 years
- 360 months = 30 years
Need more options including the ability to solve for other unknowns, change payment / compounding frequency and the ability to print an amortization schedule? Please visit, https://financial-calculators.com/mortgage-calculator
- FHA Loans
- Fixed Rate Mortgage (FRM)
- Home Affordable Refinance Program (HARP)
- Idaho Housing
- Interest Only Loans
- Jumbo Mortgage Loans
- Mortgage Loans
- Residential Mortgage Loans
- Reverse Mortgage Loans
- Rural Development
- Section 184 Native American Home Loans
- USDA Rural Development Loans
- Veterans Administration Loans
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What Our Clients Say About Us
Gail Taylor has been my go to person any time I needed a loan and also for any questions regarding a loan. She is very responsive and knowledgeable. This is why I have been working with Gail for almost seven years now and never thought about going anywhere else. I have also recommended Gail to all of my friends and family. Vedad K.- Boise, ID
Todd worked really hard to find the best refinance option for me, I would highly recommend him. Todd E. – Homeowner in Boise, Id
I’ve known and done business with Capital Mortgage for 5+ years, but it only took one consultation to realize that their team understands the mortgage industry backwards and forwards. They are professional and hard working, its been a pleasure doing business with them over the years. Ed L. – Realtor in Meridian Id
I got quotes from Quicken Loans, and Wells Fargo. I did not like dealing with someone only over the phone, and clear across the country, and the fees my bank wanted to charge were outrageous. When I called Todd, he answered all my questions, and got me a loan I am very happy with. John S. – Homeowner in Nampa, Id