Best Mortgage Rate Tools to Buy in November 2025
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Calculated Industries 3405 Real Estate Master IIIx Residential Real Estate Finance Calculator | Clearly-Labeled Function Keys | Simplest Operation | Solves Payments, Amortizations, ARMs, Combos, More
- QUICKLY PROVIDE FINANCIAL ANSWERS WITH DEDICATED FUNCTION KEYS.
- INSTANTLY SOLVE COMPLEX FINANCE QUESTIONS FOR BUYERS AND INVESTORS.
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2 $21.99
Calculated Industries 43430 Qualifier Plus IIIfx Desktop PRO Real Estate Mortgage Finance Calculator | Clearly-Labeled Keys | Buyer Pre-Qualifying | Payments, Amortizations, ARMs, Combos, FHA/VA, More
- SIMPLIFY FINANCING: CLEARLY LABELED KEYS FOR EASY MORTGAGE CALCULATIONS.
- BOOST PROFESSIONALISM: INSTANTLY SOLVE CLIENT QUERIES TO ENHANCE TRUST.
- PRE-QUALIFY BUYERS: EFFICIENTLY ASSESS AFFORDABILITY AND LOAN OPTIONS.
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3 $34.69 $54.06
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Calculated Industries 3415 Qualifier Plus IIIx Advanced Real Estate Mortgage Finance Calculator | Simple Operation | Buyer Pre-Qualifying | Solves Payments, Amortization, ARMs, Combos, FHA, VA, More
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SPEAKS YOUR LANGUAGE: CLEARLY LABELED KEYS FOR EASY MORTGAGE CALCULATIONS.
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CONFIDENT ANSWERS: IMPRESS CLIENTS WITH FAST, ACCURATE FINANCE SOLUTIONS.
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BUYER QUALIFICATION MADE EASY: EFFORTLESSLY PRE-QUALIFY CLIENTS FOR THEIR BUDGET.
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4 $46.70 $54.95
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Victor 6500 Executive Desktop Loan Calculator, 12-Digit LCD
- CLEAR 12-DIGIT ANGLED DISPLAY FOR EASY VISIBILITY AND USE.
- USE LOAN WIZARD TO SIMPLIFY COMPLEX CALCULATIONS EFFORTLESSLY.
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5 $26.32 $36.02
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Calculated Industries 3430 Qualifier Plus IIIfx Advanced Real Estate Mortgage Finance Calculator | Clearly-Labeled Keys | Buyer Pre-Qualifying | Payments, Amortizations, ARMs, Combos, FHA/VA, More
- CLEARLY LABELED KEYS STREAMLINE CLIENT INTERACTIONS WITH FINANCE TERMS.
- INSTANTLY QUALIFY BUYERS TO SHOW ONLY AFFORDABLE PROPERTIES FOR THEM.
- EFFORTLESSLY CALCULATE VARIED LOAN OPTIONS FOR INFORMED CLIENT DECISIONS.
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6 $42.67 $64.95
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HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Case + Cloth
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TRUSTED BY PROS: USED BY FINANCE EXPERTS FOR OVER 40 YEARS.
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120+ FUNCTIONS: TACKLE COMPLEX FINANCIAL CALCULATIONS EFFORTLESSLY.
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PROGRAMMABLE EFFICIENCY: AUTOMATE TASKS WITH CUSTOMIZABLE KEYSTROKE SEQUENCES.
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Mortgage rates in Idaho are influenced by various factors, including loan type, term, and borrower qualifications. Here is an overview of the current best mortgage rates in Idaho, along with some useful programs for potential homebuyers.
Current Mortgage Rates
- 30-year Fixed Purchase: Approximately 6.88% APR
- 15-year Fixed Purchase: Around 6.04% APR
- 30-year Fixed Jumbo Purchase: About 7.30% APR
- 5/6 ARM (Adjustable Rate Mortgage): Roughly 7.15% APR for purchases.
Idaho Mortgage Programs
- HFA Preferred Loans: These are designed for borrowers earning less than or more than 80% of the Area Median Income (AMI). They offer lower mortgage insurance and can be paired with Idaho's down payment assistance programs.
- Idaho Housing First Loan: Available for first-time and repeat homebuyers, offering FHA, VA, and USDA loans. Completing a homebuyer education course may be required.
- Idaho Heroes Loan: Targets veterans, military personnel, educators, firefighters, medical professionals, and more. This program provides low mortgage rates and the option for a second mortgage without a minimum credit score requirement.
- Idaho Housing Second Mortgage: Provides up to 10% of the purchase price as down payment assistance with a 7% fixed interest rate over a 15-year term. Eligibility includes a minimum credit score of 620 and completion of a homebuyer education course.
- Mortgage Credit Certificate (MCC): This program offers a federal tax credit up to 35% of annual mortgage interest payments, with a cap of $2,000 per year. It can be combined with various loan types including FHA, USDA, and HFA loans.
Tips for Securing the Best Rates
- Improve Your Credit Score: A higher credit score can significantly lower your interest rates. Aim for a score of 780 or higher for the best rates.
- Consider a Larger Down Payment: Higher down payments can reduce your loan-to-value ratio, resulting in better rates.
- Explore Different Loan Terms: Shorter loan terms, such as 15-year loans, typically offer lower interest rates compared to 30-year loans.
- Shop Around: Get quotes from multiple lenders to compare rates and negotiate better terms.
By understanding these current rates and available programs, you can make a more informed decision when seeking a mortgage in Idaho. For detailed and personalized information, it's recommended to contact local lenders and financial advisors.