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
- FAST FINANCIAL ANSWERS: INSTANTLY COMPARE LOAN OPTIONS FOR CLIENTS.
- USER-FRIENDLY DESIGN: INTUITIVE KEYS IN REAL ESTATE FINANCE TERMS.
- VERSATILE LOAN SOLUTIONS: ACCESS VARIOUS LOANS WITH ONE-BUTTON CALCULATIONS.
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2 $34.99 $44.95
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Calculated Industries 3400 Pocket Real Estate Master Financial Calculator
- SIMPLIFY BUDGETING WITH INSTANT PAYMENT BREAKDOWNS.
- PROJECT GROWTH WITH FUTURE VALUE CALCULATIONS.
- PERFORM DATE MATH FOR ACCURATE FINANCIAL PLANNING.
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3 $27.99 $29.95
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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 MORTGAGE TERMS WITH CLEARLY LABELED KEYS FOR EASY USE.
- IMPRESS CLIENTS WITH FAST, ACCURATE FINANCIAL ANSWERS-BOOST PROFESSIONALISM!
- PRE-QUALIFY BUYERS EASILY TO SHOW ONLY AFFORDABLE PROPERTIES.
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4 $53.91
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
- EASY FINANCE TERMS: SIMPLIFIES MORTGAGE TERMS FOR ALL CLIENTS.
- QUICK CLIENT PRE-QUALIFYING: INSTANTLY ASSESS CLIENT AFFORDABILITY.
- VERSATILE LOAN OPTIONS: COMPARE MULTIPLE LOAN TYPES AT A GLANCE.
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5 $54.93
Victor 6500 Executive Desktop Loan Calculator, 12-Digit LCD
- EXTRA LARGE 12-DIGIT DISPLAY FOR EASY READABILITY AND OPERATION.
- LOAN WIZARD SIMPLIFIES COMPLEX CALCULATIONS, SAVING TIME AND EFFORT.
- AUTOMATIC TAX KEYS STREAMLINE TAX CALCULATIONS FOR FAST RESULTS.
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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.