Conventional Fixed Home Loans

Take the first step toward your big purchase.

From buying your first home to moving into a larger space, purchasing a second home or an investment property, a conventional loan will help you make your purchase.  
front of house

Mortgage Payment Calculator


Estimate Your Payment

Use the calculator to estimate how much your payment might be by putting in your purchase price and down payment.2 Our team of local, expert mortgage lenders are here to guide you through the process from contract to close.  

Schedule an Appointment   



 people hugging with blue overlay

First Time Home Buyer's Guide 

All the information to take in as a first time home buyer can be overwhelming to say the least. Our guide outlines the process for you.  

Start Learning 

 front of house

Jumbo Loans 

Are you making a purchase that exceeds the conforming loan limits? Our Jumbo loans might be the right fit for you. 

Get Started 

 pencil and ruler with blue overlay

Construction Loans

Build your dream home with timely financing that works for you.  


Get Started 








Rates Section 1 Rate 1 Disclosure

1 APR = Annual Percentage Rate. These rate offers are effective 03/01/2024 and subject to change. Rates displayed are the "as low as" rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy, and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates are subject to change without notice.
The information provided assumes the purpose of the loan is to purchase a property, the property is located in Idaho, and is within Nez Perce County. The property is an existing single family home valued at $300,000 and will be used as a primary residence. An escrow (impound) account will not be established. Loans with a down payment of less than 20% may require mortgage insurance which could increase the APR and payment amount. Payment examples below are based off a down payment of 25%. The rate lock period is 45 days and the assumed credit score is 780 or greater.
A fixed rate loan for $225,000 for 30 years at 6.625% interest and 6.788% APR will have an estimated monthly payment of $1440.70. 

Rates Section 1 Rate 2 Disclosure
A fixed rate loan for $225,000 for 20 years at 6.375% interest and 6.586% APR will have an estimated monthly payment of $1661.02. 
Rates Section 1 Rate 3 Disclosure
A fixed rate loan for $225,000 for 15 years at 6.375% interest and 6.639% APR will have an estimated monthly payment of $1944.56. 
Rates Section 1 Rate 4 Disclosure
A fixed rate loan for $225,000 for 10 years at 6.125% interest and 6.493% APR will have an estimated monthly payment of $2512.11. 
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval. 
Rates Section 2 Rate 1 Disclosure

Rates Section 2 Rate 2 Disclosure

Rates Section 2 Rate 3 Disclosure

Rates Section 2 Rate 4 Disclosure

2 Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.